Funding for your situation
What permits, licenses and inspections cost, and how to cover them without cutting into payroll.
✓ Checking what you qualify for does not affect your credit score.
Permits and inspections are the costs that never appear in the plan. A fee, a schedule and sometimes a required fix can arrive with a deadline. The rent runs while the file waits, so time matters as much as the fee.
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 up front and often non-refundable.
The expensive surprise.
Expeditors, engineers and attorneys.
Rent and payroll for a space you cannot use.
| Cost item | Illustrative amount |
|---|---|
| Application and permit fees | $4,500 |
| Required fixes after inspection | $11,000 |
| Professional help | $5,000 |
| Rent and payroll carried during delays (4 weeks) | $13,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,500 |
| Cost of getting compliant | $37,000 |
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 $30,000 (about $6,923 a week), that is roughly 27% 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.
Yes, if the file supports it. This is a common reason for working capital.
Bring the citation and the deadline. The timeline helps the file by showing why the request is urgent.
Eligibility varies by industry and file; we tell you plainly what the review looks like.
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.
