Funding for your situation
What a third garden center site really takes in cash, how Merchant Fund Express reads the file, and a worked sizing example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
Adding a third garden center location is a different project than adding a second. Management time, inventory buying and payroll all stretch. Spring stock has to be ordered in January with the cash tied up in last year's season. The funding plan needs to cover the opening and a cushion, not just the build-out.
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.
What it looks like on the ground: spring stock has to be ordered in January with the cash tied up in last year's season.
Compliance touchpoints for a garden center often include nursery license and seller permit, which can come up when the request involves a new site, a purchase or a significant change.
A garden center file is read through annual deposit curve and how the off-season is bridged, inventory spoilage risk and equipment already financed.
A heavy spring window of deposits after a winter of pre-buying and carrying costs. A reviewer sees that pattern in the statements before reading a word of the application.
| Cost item | Illustrative amount |
|---|---|
| Land lease and site work | $25,000 |
| Greenhouse and irrigation | $50,000 |
| Opening plant inventory | $40,000 |
| Cushion for overruns and slow early weeks (about 10%) | $11,500 |
| Funding need for the third site | $126,500 |
Sizing check. If the full repayment shown in an offer were $164,000 over about 26 weeks, the weekly debit would be about $6,308. Against illustrative monthly deposits of $125,000 (about $28,846 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.
Paid to a contractor before opening, often in draws that start before any revenue.
A real cost of the move that is easy to leave out of the first estimate.
Bought ahead of the first sale and sitting as cash until it turns.
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.
Amounts are sized on your current deposits and existing obligations, not on the new site's projections. Merchant Fund Express reviews your last few months of business bank statements and gives a same-day decision on a complete file; funding is typically the next business day after signing. The how much can I borrow page shows what drives the number.
Funders generally want to see a lease or letter of intent, because it shows the opening is real and what occupancy will cost. If you are still negotiating, tell us; the file can often be prepared in parallel.
Not until they exist. The review is built on the deposits you have today, plus clearly documented, already-paid opening costs.
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.
