Funding for your situation
What acquiring a nearby competitor takes in cash beyond the price and how a funder reads the combined picture.
✓ Checking what you qualify for does not affect your credit score.
Buying a competitor removes a rival and adds customers, equipment and often staff. It also adds integration work: systems, branding, contracts and the people who may not stay. The price is usually less than half the cash the deal consumes in the first six months.
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.
Often paid in part at close and part over time.
Systems, signage, re-training and consolidation.
Keeping the staff and customers that made the business worth buying.
Two payrolls and two sets of suppliers for a while.
| Cost item | Illustrative amount |
|---|---|
| Purchase price or down payment | $90,000 |
| Integration: systems, signage and rebranding | $14,000 |
| Retention bonuses and training | $9,000 |
| Working capital for the first two months | $28,000 |
| Legal and transfer fees | $8,500 |
| Cushion for overruns and slow early weeks (about 10%) | $15,000 |
| Total cash to buy and integrate | $164,500 |
Sizing check. If the full repayment shown in an offer were $213,000 over about 26 weeks, the weekly debit would be about $8,192. Against illustrative monthly deposits of $165,000 (about $38,077 a week), that is roughly 22% 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.
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.
Often in pieces: a term loan for the purchase and working capital for integration and operations.
It supports the plan, but the review is built on your file and the documentation you provide.
Yes. Whatever the seller carries reduces the cash you need at close.
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.
