Funding for your situation
What happens to your funding profile when a cash-heavy business starts depositing everything and taking cards.
✓ Checking what you qualify for does not affect your credit score.
Cash-heavy businesses often show less revenue in the bank than they really earn. When you start depositing all of it and taking cards, deposits rise, the file gets stronger and reading it changes. The transition has costs: terminals, processing fees and the shift in how revenue is recognised.
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.
Hardware and onboarding.
A cost of taking cards, higher than cash.
Reconciling cash and card.
Card settlements arrive on a schedule.
| Cost item | Illustrative amount |
|---|---|
| Terminals and setup | $3,500 |
| Processing-fee reserve (3 months) | $2,800 |
| Bookkeeping and POS clean-up | $4,000 |
| Working capital cushion for settlement timing | $6,000 |
| Cushion for overruns and slow early weeks (about 10%) | $1,500 |
| Transition cost | $17,800 |
Sizing check. If the full repayment shown in an offer were $23,000 over about 26 weeks, the weekly debit would be about $885. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 15% 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.
It can, once deposits and card sales are consistent. That strengthens the file over a few months.
Not necessarily. Compare fees; our glossary has terms to know.
Possibly, but a stronger file after consistent deposits often reads better.
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.
