Funding for your situation
How a seasonal business can bridge its slow months, which structures flex with revenue, and a worked gap calculation.
✓ Checking what you qualify for does not affect your credit score.
Every year the pattern returns, and every year some owners are surprised. Rent, payroll and suppliers keep their schedule while deposits thin out for eight to twelve weeks. The right funding is sized to the gap, not to the year, and repaid out of the peak that follows.
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 |
|---|---|
| Fixed costs for 8 weeks (rent, utilities, insurance) | $18,000 |
| Core payroll for 8 weeks | $24,000 |
| Supplier payments due before sales return | $9,000 |
| Marketing to refill the calendar | $4,000 |
| Cushion for overruns and slow early weeks (about 10%) | $5,500 |
| Slow-season gap to cover | $60,500 |
Sizing check. If the full repayment shown in an offer were $78,000 over about 26 weeks, the weekly debit would be about $3,000. Against illustrative monthly deposits of $55,000 (about $12,692 a week), that is roughly 24% 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.
Rent, utilities and insurance do not pause.
The team that makes the next peak possible.
Terms tighten when cash is thin.
The spend that shortens the gap.
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 can fit a recurring gap, revenue-based financing flexes with sales and working capital covers a defined stretch.
Before the slow stretch is usually easier, when deposits are strong. If you are already in it, send the full twelve months so the pattern is explained.
They are read as part of the pattern. A seasonal business with a clear annual curve is easier to evaluate than one with unexplained dips.
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.
