Funding for your situation
What relocating into a larger space costs and how to bridge the overlap.
✓ Checking what you qualify for does not affect your credit score.
Growing out of a space is a good problem with a nasty cash profile. You pay deposits and build-out on the new site while still paying rent on the old one, and you lose revenue during the move. Overlap is the thing most plans miss: one to three months of double rent.
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.
Paid at signing.
The new space rarely fits as it comes.
Revenue paused or reduced during the move.
The old lease keeps running until it ends.
| Cost item | Illustrative amount |
|---|---|
| Lease deposit and first month | $18,000 |
| Build-out and fixtures | $55,000 |
| Moving, install and reconnect | $11,000 |
| Overlapping rent (2 months) | $12,000 |
| Lost sales during the move | $15,000 |
| Re-opening marketing | $5,000 |
| Cushion for overruns and slow early weeks (about 10%) | $11,500 |
| Total cost of the move | $127,500 |
Sizing check. If the full repayment shown in an offer were $166,000 over about 26 weeks, the weekly debit would be about $6,385. Against illustrative monthly deposits of $130,000 (about $30,000 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.
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.
A letter of intent can be enough to start, but a signed lease firms up the file.
That is a business question. If you stay, the same funding structures apply for a remodel.
A term loan for a defined project, plus working capital for the overlap, is common.
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.
