Funding for your situation
What to fund when deposits have fallen for a quarter or more, and how a funder evaluates the floor.
✓ Checking what you qualify for does not affect your credit score.
When deposits fall, fixed costs do not. A revenue drop is a different problem from a bad month: it needs a cause, a plan and a bridge long enough to rebuild. The funding should match the length of the recovery, and repayment should flex with revenue where possible.
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.
Rent, payroll and insurance.
The team that rebuilds the business.
Reaching customers again.
Avoiding deeper problems.
| Cost item | Illustrative amount |
|---|---|
| Fixed-cost shortfall for 12 weeks | $36,000 |
| Key staff retention | $18,000 |
| Rebuilding marketing | $9,000 |
| Cash buffer | $8,000 |
| Cushion for overruns and slow early weeks (about 10%) | $7,000 |
| Recovery bridge to size | $78,000 |
Sizing check. If the full repayment shown in an offer were $101,000 over about 26 weeks, the weekly debit would be about $3,885. Against illustrative monthly deposits of $80,000 (about $18,462 a week), that is roughly 21% 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.
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.
Sometimes, if the file shows a floor and a credible plan. Revenue-based financing flexes with sales.
Statements showing stabilization, new contracts or reopened channels.
Working capital fits a defined bridge with a clear end.
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.
