Funding for your situation
How a coffee shop with several advances can see the combined debit, what restructure options exist and what they change, with a worked example.
✓ Checking what you qualify for does not affect your credit score.
Stacking usually happens one reasonable decision at a time. Morning lines are out the door, and a drive-through lane would double the throughput of the same staff. Each new advance solved the last problem, and together they leave very little of each day's deposits.
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.
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.
Equipment is part of the picture. A failure such as a espresso machine boiler or a refrigeration repair can run $4,800 to $4,800 and interrupt revenue while it is down.
The documents that usually matter most for a coffee shop are equipment quote or lease and lease for the new space, if opening a second site, alongside the bank statements.
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 |
|---|---|
| Advance A, taken for espresso machine and grinders (weekly debit, illustrative) | $3,000 |
| Advance B, taken for a espresso machine boiler (weekly debit, illustrative) | $2,500 |
| Advance C, taken for opening inventory (weekly debit, illustrative) | $1,500 |
| Combined weekly debit | $7,000 |
| Average weekly deposits at a coffee shop (illustrative) | $23,500 |
| Combined debit as a share of weekly deposits | about 30% |
How this is read. A funder looks at the combined debit, the negative days and the average daily balance. For a coffee shop, morning traffic follows the school and commuter calendar, and summer shifts the mix toward cold drinks. Replacing several positions with one payment is what a MCA buyout or MCA refinance is built to do, when the balances and the file allow it.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Balance, debit size and payment history for each, including what each was taken for: espresso machine and grinders, a espresso machine boiler or cash flow.
The single number that matters most.
High-frequency, low-ticket card sales create steady daily deposits, which is what underwriters like to see.
The payment shape and term, not the amount owed.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes. A MCA buyout for positions with balances of $100,000 or less, a refinance or reverse consolidation may fit, depending on the file. Merchant Fund Express will say plainly which apply.
No. It changes the payment shape and term. Always compare the new total with what is left on the old positions.
There is no single number. It depends on the combined debit and how the account behaves. See existing positions and stacking.
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.
