Funding for your situation
What a remodel really costs when you include lost sales and reopening, and how to size the request.
✓ Checking what you qualify for does not affect your credit score.
A remodel can raise revenue and cut it in the same quarter. Contractors are paid in draws, permits and surprises arrive on their own schedule, and customers may go elsewhere while you are under construction. A good plan funds the construction and the dip, not just the contractor.
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.
| Cost item | Illustrative amount |
|---|---|
| Construction and finishes | $70,000 |
| Fixtures and equipment updates | $24,000 |
| Permits and design fees | $8,000 |
| Reduced-revenue weeks during the work | $16,000 |
| Reopening marketing | $5,000 |
| Cushion for overruns and slow early weeks (about 10%) | $12,500 |
| Remodel total | $135,500 |
Sizing check. If the full repayment shown in an offer were $177,000 over about 26 weeks, the weekly debit would be about $6,808. Against illustrative monthly deposits of $135,000 (about $31,154 a week), that is roughly 22% 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.
The contractor bid, usually paid in draws.
New displays, equipment or technology.
Early costs that arrive before construction starts.
The weeks of reduced sales and the marketing to restart.
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.
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.
If most of it is equipment, equipment financing fits. For construction and mixed costs, working capital or a term loan may fit better.
Yes, if you lease. A funder wants to see that the work is authorized.
A same-day decision on a complete file, and funding typically the next business day after signing.
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.
