Funding for your situation
How owners bridge the months between a cost increase and the price change that offsets it.
✓ Checking what you qualify for does not affect your credit score.
A key supplier raises prices by a double-digit percentage. Your margin shrinks the next day, and the menu, the quote or the contract cannot change as quickly as the invoice does. The bridge is the cost of the months until pricing catches up, plus any inventory you choose to buy ahead.
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.
Applies immediately to new orders.
Locking in current prices before the next increase.
Menus, quotes and signage.
Customers may react to new prices.
| Cost item | Illustrative amount |
|---|---|
| Higher cost of goods for 3 months (illustrative) | $18,000 |
| Buy-ahead inventory at current prices | $15,000 |
| Repricing costs: menus, quotes and signage | $2,500 |
| Cushion for volume softness | $7,000 |
| Cushion for overruns and slow early weeks (about 10%) | $4,000 |
| Bridge to cover the squeeze | $46,500 |
Sizing check. If the full repayment shown in an offer were $60,000 over about 26 weeks, the weekly debit would be about $2,308. Against illustrative monthly deposits of $45,000 (about $10,385 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.
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.
Applying with Merchant Fund Express is a single application. We review it the same day on a complete file, explain what the numbers say in plain terms, and fund typically the next business day after signing. Nothing here affects your credit score to check.
Working capital or a line of credit can cover the bridge and any buy-ahead inventory.
Only if the inventory turns and storage is cheap. Otherwise you carry a cost without a benefit.
Quotes from alternatives give you leverage and a fallback. They also help the file.
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.
