Funding for your situation
How to fund a recovery after one unusually weak month without borrowing for the wrong problem.
✓ Checking what you qualify for does not affect your credit score.
One bad month is a data point. Two can be a pattern. What matters is whether the cause is identifiable and over: a closure, a lost account, a weather event or a supply issue. A short bridge sized to the dip is usually easier to carry than a large loan sized to a fear.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
| Cost item | Illustrative amount |
|---|---|
| Fixed-cost shortfall for the month | $14,000 |
| Vendor catch-up and deposits | $6,500 |
| Short marketing push | $3,500 |
| Cash buffer to avoid negative days | $5,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,000 |
| Recovery bridge to size | $32,000 |
Sizing check. If the full repayment shown in an offer were $42,000 over about 26 weeks, the weekly debit would be about $1,615. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 28% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Fixed costs not covered by deposits.
Restoring terms and avoiding late fees.
Rebuilding volume.
Avoiding negative days while you recover.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Applying with Merchant Fund Express is a single application. We review it the same day on a complete file, explain what the numbers say in plain terms, and fund typically the next business day after signing. Nothing here affects your credit score to check.
It is read in context. A clear cause and a visible recovery help the file.
Small working capital or a draw on a line of credit.
Then the plan should address the cause, not just the cash. A funder will want to see that.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
