Merchant Fund Express
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Funding for your situation

Opening a pop-up or kiosk: test a market without a full build-out.

What a pop-up, kiosk or temporary location costs and how to fund it alongside your existing business.

✓ Checking what you qualify for does not affect your credit score.

Where the cash gap comes from

A pop-up is the cheapest way to test a new location, a seasonal market or a new concept. It still needs inventory, staff, a footprint and permits, and the revenue window is short. A well-run pop-up gives you a traffic number you can take to the next lease.

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.

Typical useFunding to open a pop-up or kiosk
TimelineSame-day decision on a complete file; funding typically the next business day after signing
CreditMinimum FICO is 500; better credit means better offers
DocumentsAbout three months of business bank statements and a short application

What the money usually covers

Booth, kiosk or short-term lease

The space and its fixtures.

Inventory for the window

Stocked for the busiest days.

Staff and permits

People and licenses for the event period.

Signage and promotion

Getting noticed in a crowd.

The numbers, worked through

Cost itemIllustrative amount
Space fee, deposit and kiosk build$9,000
Inventory for the window$12,000
Staff and permits$7,500
Signage and promotion$3,500
Card terminal, power and misc.$1,800
Cushion for overruns and slow early weeks (about 10%)$3,500
Pop-up total$37,300

Sizing check. If the full repayment shown in an offer were $48,000 over about 26 weeks, the weekly debit would be about $1,846. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 32% 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.

What funders read on a file like this

The booking or lease for the space
Recent deposits from the core business
Expected traffic and how you estimated it
Permits and insurance

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.

What to have ready

Three months of business bank statements
A completed application
A government-issued ID for the owner
Any quote, bid or contract that supports the request

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.

Where owners go wrong

Overstocking for an unproven crowd
Missing permit deadlines for temporary locations
Not tracking the data you need to decide next steps

Other ways to fund it, and where to go next

Working capital loans: Lump-sum capital sized on your deposits, for a defined need with a clear payback.
Business line of credit: A reusable pool you draw on and repay, useful when costs arrive in pieces.
Merchant cash advance: Repaid from future revenue; fast, and priced as a fixed total, so read the full repayment amount.
Equipment financing: Built around the equipment itself, which often keeps the payment tied to what it earns.
Funding by industry: Find the page for your type of business.
Factor rate calculator: Run your own numbers before accepting an offer.
More funding situations: Other growth, operating and recovery moments.

Common questions

Is a pop-up worth funding?

Often, because it is a low-risk way to test demand. A short working capital request can cover it.

Can I fund it from existing revenue?

Sometimes. If cash is tight, borrowing preserves the core business.

Is it better to rent or buy a kiosk?

Rent first. Buy only once the numbers justify it.

What credit score do I need?

The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.

See what you qualify for

Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.

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