Funding for your situation
How a partner buyout is funded, what a funder reviews, and the cash the business still needs afterward.
✓ Checking what you qualify for does not affect your credit score.
A partner buyout moves ownership, and it moves cash. The agreed price comes out of the business or out of you, and the company must keep operating without the partner's contribution. The funding plan has two parts: closing the buyout and covering the transition 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.
The agreed amount, often with a payment schedule.
Agreement drafting, valuation and tax advice.
The role the partner played may need a hire.
Customers and vendors may react to the change.
| Cost item | Illustrative amount |
|---|---|
| Buyout payment (illustrative) | $80,000 |
| Legal, valuation and tax fees | $9,500 |
| Hire to cover the partner's role (8 weeks) | $18,000 |
| Operating reserve | $15,000 |
| Cushion for overruns and slow early weeks (about 10%) | $12,000 |
| Cash to close and stabilise | $134,500 |
Sizing check. If the full repayment shown in an offer were $174,000 over about 26 weeks, the weekly debit would be about $6,692. Against illustrative monthly deposits of $135,000 (about $31,154 a week), that is roughly 21% 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.
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.
Often a business can finance part of it, depending on deposits and obligations. A term loan or working capital may fit.
A signed agreement or term sheet is what a funder wants to see, because it fixes the price and the timing.
The file is read on the business and the applicant. If the partner is leaving, their credit generally stops mattering once ownership is documented.
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.
