Funding for your situation
What changes about funding when you operate several sites, and how to present a multi-location file.
✓ Checking what you qualify for does not affect your credit score.
Five locations is a platform. The files get larger and the questions get more specific: how consistent is each site, how are deposits routed, and how much of the request is for a single site versus the whole group. The funding that works at this size is usually a mix: a defined build for the new site and a reusable line for the group.
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 |
|---|---|
| Opening costs for the new site | $130,000 |
| Group working-capital reserve | $40,000 |
| Central finance and operations hire | $22,000 |
| Systems upgrade | $12,000 |
| Launch marketing | $9,000 |
| Cushion for overruns and slow early weeks (about 10%) | $21,500 |
| Funding need for site five | $234,500 |
Sizing check. If the full repayment shown in an offer were $304,000 over about 26 weeks, the weekly debit would be about $11,692. Against illustrative monthly deposits of $705,000 (about $162,692 a week), that is roughly 7% 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.
Build-out, equipment and inventory.
A reserve for the group so one slow site does not stress all five.
Finance, scheduling and quality control that scale.
The spend that fills the new capacity.
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.
It scales with deposits and structure. Share statements for each account so the whole picture is visible.
A line of credit can sit behind the group as a reserve while a term loan funds the new site.
Monthly deposit summaries by site and a one-page overview of obligations make the review smoother.
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.
