Funding for your situation
What it looks like when several advances debit one account, and the options for restructuring the payment shape.
✓ Checking what you qualify for does not affect your credit score.
Multiple advances on one account can leave very little of each day's deposits. The debits pile up, the average balance falls, and a bad week turns into negative days. The first step is to see the real number: total daily or weekly debits against average deposits.
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 |
|---|---|
| Advance A debit (per week) | $1,750 |
| Advance B debit (per week) | $1,400 |
| Advance C debit (per week) | $1,200 |
| Average weekly deposits (illustrative) | $14,000 |
| Cushion for overruns and slow early weeks (about 10%) | $2,000 |
| Weekly debits to compare with deposits | $20,350 |
Sizing check. If the full repayment shown in an offer were $26,000 over about 26 weeks, the weekly debit would be about $1,000. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 17% 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.
All advances added together.
What actually remains for operations.
What is owed on each position.
Refinance, buyout and consolidation structures.
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. A MCA buyout or MCA refinance can replace several debits with one new payment, depending on the file and the balances.
No. It changes the payment shape and term. Compare the new total with what is left on the old positions.
See reverse consolidation for how it is structured and when it fits.
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.
