Funding for your situation
How a bar with an open advance is reviewed, what a second position means, and what usually decides the answer.
✓ Checking what you qualify for does not affect your credit score.
Needing more capital while already paying an advance is common, and it is read carefully. Card sales with high tip volume; deposits cluster on Thursday to Sunday. That is the picture a funder is trying to understand.
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.
Equipment is part of the picture. A failure such as a keg cooler and glycol system or a sound system repair can run $5,400 to $5,400 and interrupt revenue while it is down.
The documents that usually matter most for a bar are lease or letter of intent and license documentation if purchasing a bar, alongside the bank statements.
Weekends, game days and holidays carry the calendar, and winter or summer lulls depend on the neighborhood. For a bar, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: the patio season is short, and a heater and canopy buy extra weeks of full revenue.
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.
| Item | Illustrative amount |
|---|---|
| Existing advance, remaining balance (illustrative) | $58,000 |
| Existing daily debit | $600 a day, or $3,000 a week |
| Average weekly deposits (illustrative) | $27,500 |
| Existing debit as a share of weekly deposits | about 11% |
| Room for a new payment before the account is stretched | depends on the file, and is what a review tests |
How this is read. A funder compares the total debits against deposits and looks at negative days and NSFs. See negative days and NSFs and existing positions and stacking.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
The daily or weekly amount already leaving the account.
Card sales with high tip volume; deposits cluster on Thursday to Sunday.
Negative days, NSFs and the average daily balance.
Weekends, game days and holidays carry the calendar, and winter or summer lulls depend on the neighborhood.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Often it can, depending on the position count and how the account is behaving. Look at second position funding, renewals and MCA refinance.
It means a new advance that sits behind the existing one on the same revenue stream. It is a defined product with its own review.
Yes. Negative days and NSFs are read as part of the picture, not as an automatic stop.
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.
