Funding for your situation
What to do when a lease renewal or a landlord notice raises your occupancy cost.
✓ Checking what you qualify for does not affect your credit score.
A rent increase is a permanent change to your margin. Paying it out of this quarter's cash is a short-term fix for a long-term cost. The best response combines a funding bridge with a plan: renegotiate, reprice, increase volume or relocate.
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.
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.
| Cost item | Illustrative amount |
|---|---|
| Higher rent for 12 months (illustrative) | $18,000 |
| Increased common-area and tax charges | $4,500 |
| Deposit adjustment | $5,000 |
| Broker and legal cost to renegotiate | $3,500 |
| Cushion for overruns and slow early weeks (about 10%) | $3,000 |
| Total cost to plan for | $34,000 |
Sizing check. If the full repayment shown in an offer were $44,000 over about 26 weeks, the weekly debit would be about $1,692. Against illustrative monthly deposits of $30,000 (about $6,923 a week), that is roughly 24% 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.
Applies every month.
Often follows with it.
Some leases ask for a larger deposit.
Moving or renegotiating is not free.
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.
Sometimes as a bridge while you reprice or move. It is not a long-term answer to a permanent cost.
Working capital for the bridge, or a term loan if you are relocating.
The renewal notice and your lease.
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.
