Funding for your situation
How to fund temporary capacity for a busy season without carrying it all year.
✓ Checking what you qualify for does not affect your credit score.
Seasonal expansion means hiring, stocking and sometimes renting more space for a limited window. The costs come first; the revenue arrives across a few weeks. A structure that repays alongside the peak, and eases afterward, usually fits better than one that debits the same amount all year.
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.
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.
| Cost item | Illustrative amount |
|---|---|
| Seasonal staff recruiting and payroll (8 weeks) | $24,000 |
| Extra inventory for the peak | $30,000 |
| Temporary space or equipment rental | $10,000 |
| Seasonal marketing | $7,500 |
| Extra insurance and compliance | $3,000 |
| Cushion for overruns and slow early weeks (about 10%) | $7,500 |
| Seasonal expansion total | $82,000 |
Sizing check. If the full repayment shown in an offer were $107,000 over about 26 weeks, the weekly debit would be about $4,115. Against illustrative monthly deposits of $80,000 (about $18,462 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.
Recruiting, training and payroll through the peak.
Bought ahead of the first sale.
Rented capacity that you will not keep.
The spend that makes the peak bigger.
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.
A line of credit or revenue-based financing can flex with the curve; working capital covers a defined peak.
Ahead of the peak is easier, while deposits look healthy and you have time for staffing and ordering.
They are read as part of the pattern. Twelve months of statements make the seasonal curve visible.
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.
