Funding for your situation
What owners can do when advance debits are failing, and how to avoid making the position worse.
✓ Checking what you qualify for does not affect your credit score.
Missing debits on an advance sets off clauses in the agreement that matter: default definitions, fees, and sometimes remedies that go beyond the debit itself. This is a good time to read the contract and to talk to an attorney if the funder is escalating. It is also the time to see what a restructure could look like.
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 |
|---|---|
| Remaining balance on the advance (illustrative) | $28,000 |
| Missed debits to date (illustrative) | $4,500 |
| Fees under the agreement (illustrative) | $1,500 |
| Weekly cash realistically available | $3,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,500 |
| Figures to review before choosing | $40,500 |
Sizing check. If the full repayment shown in an offer were $52,000 over about 26 weeks, the weekly debit would be about $2,000. Against illustrative monthly deposits of $30,000 (about $6,923 a week), that is roughly 29% 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.
What counts as default and what follows.
The figure to restructure around.
What the account can really carry.
Refinance, buyout or negotiated payment shape.
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.
Here is what happens after you apply with Merchant Fund Express: the application is reviewed against the factors on this page, you get a same-day decision on a complete file, and funding is typically the next business day after signing. If something is missing, we say exactly what.
Sometimes, depending on the position, the balance and the account. A MCA refinance or MCA buyout may be options.
If the funder is pursuing remedies, yes. This page is general information, not legal advice.
See negative days and NSFs for how they are read.
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.
