Funding for your situation
What a landscaping company 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.
Falling behind on an advance is more common in landscaping companies than anyone says out loud. Weekly route work and project invoices on terms, with a seasonal pause in deposits. When one slow stretch lands on top of a daily debit, the account stops covering both the debit and the bills around it.
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.
Weekly route work and project invoices on terms, with a seasonal pause in deposits. 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 zero-turn mower or a trailer axle can run $5,800 to $7,400 and interrupt revenue while it is down.
The documents that usually matter most for a landscaping company are an equipment or truck quote and route or contract list, alongside the bank statements.
Spring through fall carries revenue, with a winter gap unless snow work fills it. For a landscaping company, that rhythm decides when a funding request reads best and how it should be repaid.
| Item | Illustrative amount |
|---|---|
| Remaining balance on an advance taken for truck and trailer (illustrative) | $13,500 |
| Daily debit | $150 a day, or $750 a week |
| Missed debits so far | $450 (three days, illustrative) |
| Fees under the agreement (illustrative) | $500 |
| Weekly cash a landscaping company in a slow stretch can really carry | $450 |
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 landscaping company it moves with the year: spring through fall carries revenue, with a winter gap unless snow work fills it. 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.
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 zero-turn mower.
Weekly route work and project invoices on terms, with a seasonal pause in deposits.
Restructure the payment, replace the position or add room through a defined second position.
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.
