Funding for your situation
What it costs to restart a business that has been closed for weeks or months and how to fund the restart.
✓ Checking what you qualify for does not affect your credit score.
A closure ends the revenue and not the bills. Reopening needs fresh inventory, rehired staff, deep cleaning, relicensing and marketing to tell customers you are back. A restart is closer to a grand opening than to a normal week.
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 |
|---|---|
| Restocking inventory and supplies | $20,000 |
| Staff recall and training | $9,500 |
| Relicensing and inspections | $4,500 |
| Reopening marketing | $6,000 |
| Cash buffer for the first month | $8,000 |
| Cushion for overruns and slow early weeks (about 10%) | $5,000 |
| Restart cost | $53,000 |
Sizing check. If the full repayment shown in an offer were $69,000 over about 26 weeks, the weekly debit would be about $2,654. Against illustrative monthly deposits of $50,000 (about $11,538 a week), that is roughly 23% 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.
Restocked from near zero.
People may need retraining or replacement.
Some licenses lapse during closure.
Customers need to know you are open.
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, based on prior deposits and the plan. See working capital.
They do. If the account has been quiet, the review leans on earlier history and your explanation.
A line of credit can provide a reserve for the first weeks.
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.
