Funding for your situation
How owners fund a payroll, sales or income tax payment without missing the deadline.
✓ Checking what you qualify for does not affect your credit score.
Tax deadlines do not move, and penalties and interest accrue from the due date. A cash crunch in the month a quarterly payment, a sales-tax remittance or a payroll-tax deposit is due is common. The goal is to pay on time with a plan for the account afterward, not to find the cheapest possible stopgap.
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.
Trust-fund taxes that carry strict penalties.
Collected from customers and owed on a schedule.
Quarterly payments on a due date.
The cost of waiting.
| Cost item | Illustrative amount |
|---|---|
| Payroll tax deposit due | $16,000 |
| Sales tax remittance | $11,000 |
| Estimated income tax payment | $9,000 |
| Reserve for the next filing period | $5,000 |
| Cushion for overruns and slow early weeks (about 10%) | $4,000 |
| Tax obligations to cover | $45,000 |
Sizing check. If the full repayment shown in an offer were $58,000 over about 26 weeks, the weekly debit would be about $2,231. Against illustrative monthly deposits of $45,000 (about $10,385 a week), that is roughly 21% 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.
Often, depending on the file. Short-term working capital is a common route. Compare it with an agency payment plan.
It can be, if the alternative is penalties, liens or a missed payroll deposit. Talk to your accountant about the best sequence.
Tell us. Standing with the agencies is part of the picture and we will say plainly what is possible.
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.
