Funding for your situation
How a business can finance a settlement or judgment payment and keep the doors open.
✓ Checking what you qualify for does not affect your credit score.
A settlement is a lump-sum obligation with a date. Paying it from operating cash can leave the business unable to meet payroll or buy inventory. A funded plan covers the settlement and a reserve, and is based on your deposits and obligations, not on the case.
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 |
|---|---|
| Settlement payment (illustrative) | $60,000 |
| Legal and administrative fees | $7,500 |
| Operating reserve for payroll and rent (6 weeks) | $24,000 |
| Insurance and tax planning | $3,000 |
| Cushion for overruns and slow early weeks (about 10%) | $9,500 |
| Cash to settle and operate | $104,000 |
Sizing check. If the full repayment shown in an offer were $135,000 over about 26 weeks, the weekly debit would be about $5,192. Against illustrative monthly deposits of $105,000 (about $24,231 a week), that is roughly 21% 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.
Paid by a date in the agreement.
Often continue after the settlement.
So the business can keep running.
Settlement may affect premiums and filings.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Here is what happens after you apply with Merchant Fund Express: the application is reviewed against the factors on this page, you get a same-day decision on a complete file, and funding is typically the next business day after signing. If something is missing, we say exactly what.
Sometimes, if the file supports it. This is general information, not legal advice; talk to your attorney.
Working capital or a term loan depending on size.
The review is built on deposits and obligations. The settlement terms help show the amount and timing.
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.
