Funding for your situation
How to handle a large, unplanned repair to the building, vehicles or systems without draining the operating account.
✓ Checking what you qualify for does not affect your credit score.
A burst pipe, a failed roof, a transmission, an electrical panel. Repairs to the things around the business rarely come with notice, and they rarely cost what the first estimate said. A good response is a funded plan: the repair, any temporary closure and a reserve for what the inspector finds.
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 |
|---|---|
| Repair quote (illustrative) | $18,000 |
| Related damage and code upgrades | $6,500 |
| Reduced-revenue days during the work | $7,000 |
| Contingency reserve | $3,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,500 |
| Total repair cost to plan for | $38,000 |
Sizing check. If the full repayment shown in an offer were $49,000 over about 26 weeks, the weekly debit would be about $1,885. Against illustrative monthly deposits of $30,000 (about $6,923 a week), that is roughly 27% 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.
Often the first of several invoices.
What the contractor finds once the wall is open.
Lost sales during the work.
For surprises.
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 yes. Short-term working capital can bridge the gap, and an insurance payout can reduce the balance when it arrives.
The contractor's estimate, photos and any insurance claim number.
A line of credit works if repairs recur or come in pieces.
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.
