Funding for your situation
What a coffee shop can do when advance debits are failing, how restructure options are compared, and a worked example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
The hardest part of being behind is that the debit keeps coming while revenue is the thing that slipped. Morning traffic follows the school and commuter calendar, and summer shifts the mix toward cold drinks. The first useful step is knowing the real balance and what the agreement says.
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.
What it looks like on the ground: morning lines are out the door, and a drive-through lane would double the throughput of the same staff.
Compliance touchpoints for a coffee shop often include health department plan review and signage permit, which can come up when the request involves a new site, a purchase or a significant change.
A coffee shop file is read through daily deposit consistency and the average ticket, whether a second site has a signed lease and a realistic opening timeline and payments to existing lenders taken from the same account.
High-frequency, low-ticket card sales create steady daily deposits, which is what underwriters like to see. A reviewer sees that pattern in the statements before reading a word of the application.
What counts as default, what fees apply and what remedies the funder reserves.
A payoff letter beats a guess from the statement, especially if part of it went to a espresso machine boiler.
High-frequency, low-ticket card sales create steady daily deposits, which is what underwriters like to see.
Restructure the payment, replace the position or add room through a defined second position.
| Item | Illustrative amount |
|---|---|
| Remaining balance on an advance taken for espresso machine and grinders (illustrative) | $52,000 |
| Daily debit | $500 a day, or $2,500 a week |
| Missed debits so far | $1,500 (three days, illustrative) |
| Fees under the agreement (illustrative) | $2,000 |
| Weekly cash a coffee shop in a slow stretch can really carry | $1,500 |
What this shows. The gap between the debit and what the account can carry is the number any restructure has to solve, and for a coffee shop it moves with the year: morning traffic follows the school and commuter calendar, and summer shifts the mix toward cold drinks. Compare it with MCA refinance, MCA buyout and the MCA payoff calculator.
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.
Sometimes, depending on the balance and how the account is behaving. Options include a MCA refinance, a buyout for balances of $100,000 or less, or a second position. Merchant Fund Express reviews the file the same day it is complete.
If the funder is escalating or has sent a legal notice, yes. This page is general information, not legal advice.
No. It changes which options fit and how the file is read. See funding after a defaulted advance.
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.
