Funding for your situation
What decides whether a daycare with an open advance can add more funding, what a review compares, and a worked example.
✓ Checking what you qualify for does not affect your credit score.
An open advance changes which products fit a daycare, not whether the conversation can happen. Tuition and subsidy payments arrive on a monthly or weekly rhythm; deposits are steady but payroll is heavy. The daily or weekly debit is already part of that picture.
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.
Tuition and subsidy payments arrive on a monthly or weekly rhythm; deposits are steady but payroll is heavy. 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 hvac replacement or a kitchen equipment can run $7,200 to $7,200 and interrupt revenue while it is down.
The documents that usually matter most for a daycare are licensing documents or capacity letter and quote for build-out or equipment, alongside the bank statements.
Enrollment follows the school year, with summer and September transitions. For a daycare, that rhythm decides when a funding request reads best and how it should be repaid.
Balance, debit and payment history, and what it financed: furniture, cribs and safety equipment.
Tuition and subsidy payments arrive on a monthly or weekly rhythm; deposits are steady but payroll is heavy.
Negative days, NSFs and the average daily balance, read against enrollment follows the school year, with summer and September transitions.
Second position, renewal or refinance, depending on how much has been paid down.
| Item | Illustrative amount |
|---|---|
| Position 1: taken for furniture, cribs and safety equipment (remaining balance, illustrative) | $50,500 |
| Position 1 weekly debit | $2,500 |
| Average weekly deposits at a daycare (illustrative) | $25,000 |
| Debit as a share of weekly deposits | about 10% |
| New need under discussion: a hvac replacement or a new classroom (illustrative) | $39,500 |
| Whether a second position fits | decided by negative days, NSFs and the average daily balance |
What a review compares. The remaining balance, the share of deposits already committed and how the account has behaved. Read negative days and NSFs and second position funding.
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.
Often, depending on position count and account behavior. Look at second position funding, renewals and MCA refinance. Merchant Fund Express reviews the file the same day it is complete.
A second position sits behind the first on the same revenue. A renewal comes after the first is substantially paid down. See first position vs second position.
Three months of business bank statements, the existing agreement or a payoff letter, and licensing documents or capacity letter.
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.
