Funding for your situation
What it costs to add online ordering or delivery to a business that takes orders in person today.
✓ Checking what you qualify for does not affect your credit score.
Online ordering is cheap to set up and not free to run. The platform, the packaging and the people who hand the order off all cost money in the first months, and promotion is what fills the queue. The risk is not the technology. It is margin: platform fees, packaging and promotion eat the gain if the menu is not priced for 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.
| Cost item | Illustrative amount |
|---|---|
| Ordering system and POS integration | $4,000 |
| Packaging and supplies, first month | $3,500 |
| Photography and menu build | $2,500 |
| Launch promotion | $6,000 |
| Added staffing for peak windows (8 weeks) | $9,000 |
| Cushion for overruns and slow early weeks (about 10%) | $2,500 |
| Ordering launch total | $27,500 |
Sizing check. If the full repayment shown in an offer were $36,000 over about 26 weeks, the weekly debit would be about $1,385. Against illustrative monthly deposits of $25,000 (about $5,769 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.
The platform and any tablets or printers.
Bags, containers and labels, bought ahead.
Getting the catalog right for online.
Marketing and extra hands during peak windows.
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.
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.
Often a small amount, sized to the first two months. A short working capital request can cover it.
Payouts are net of platform fees and arrive on the platform's schedule, so they are read alongside card deposits.
Not necessarily. Many platforms provide an ordering page.
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.
