Funding for your situation
How owners bridge cleanup, repairs and lost sales while waiting on insurance or disaster relief.
✓ Checking what you qualify for does not affect your credit score.
After a flood, the bills start before the claim does. Mitigation, drying, demolition and repairs are paid up front, and insurance can take weeks or months. A bridge sized to the first sixty days helps you reopen sooner and reduces the total cost of downtime.
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.
Water removal, drying and disinfection.
The long invoice.
What was damaged beyond repair.
Costs while closed.
| Cost item | Illustrative amount |
|---|---|
| Mitigation and cleanup | $22,000 |
| Repairs and rebuild (first phase) | $48,000 |
| Replacement equipment and inventory | $30,000 |
| Payroll and fixed costs while closed (6 weeks) | $26,000 |
| Cushion for overruns and slow early weeks (about 10%) | $12,500 |
| First-phase recovery cost | $138,500 |
Sizing check. If the full repayment shown in an offer were $179,000 over about 26 weeks, the weekly debit would be about $6,885. Against illustrative monthly deposits of $165,000 (about $38,077 a week), that is roughly 18% 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.
Often yes. A short-term bridge is built around the expected payout. See working capital.
They are what the review is built on, plus documentation of the event.
Government assistance may exist. Programs vary and are separate from our service.
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.
