Funding for your situation
How to plan the move from a day job to a full-time business and what funding can reasonably support.
✓ Checking what you qualify for does not affect your credit score.
Going full-time means replacing a paycheck, benefits and a safety net with a business that may still be growing. The leap is easier with a cushion and a clear plan. Funding is most useful for specific purchases and runway, not as a replacement for the income that supports your household.
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.
Months of personal and business expenses covered.
Moving from part-time tools to full-time capacity.
Filling the calendar.
Benefits you now pay for yourself.
| Cost item | Illustrative amount |
|---|---|
| Runway for 4 months (business share) | $16,000 |
| Equipment and inventory upgrade | $9,000 |
| Marketing and website | $5,500 |
| Insurance, licensing and legal | $3,500 |
| Cushion for overruns and slow early weeks (about 10%) | $3,500 |
| Funding plan for going full-time | $37,500 |
Sizing check. If the full repayment shown in an offer were $49,000 over about 26 weeks, the weekly debit would be about $1,885. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 33% 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, based on the business deposits. Keep the business account separate.
Often before, while employment income supports your personal credit.
Match it to deposits and to specific uses. See how much can I borrow.
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.
