Funding for your situation
How to fund a new point-of-sale system, scheduling, inventory tools or a system migration.
✓ Checking what you qualify for does not affect your credit score.
Old systems cost money in small, constant ways: slow checkout, manual counts, scheduling errors and missing data. New systems cost money in one visible lump. The upgrade case gets stronger when you can name the specific time or errors it removes.
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.
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.
| Cost item | Illustrative amount |
|---|---|
| POS hardware and terminals | $9,000 |
| Software licensing and set-up | $4,500 |
| Integrations and data migration | $3,500 |
| Staff training and changeover downtime | $3,000 |
| Cushion for overruns and slow early weeks (about 10%) | $2,000 |
| Technology upgrade total | $22,000 |
Sizing check. If the full repayment shown in an offer were $29,000 over about 26 weeks, the weekly debit would be about $1,115. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 19% 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.
Registers, readers and printers.
Licensing, migration and configuration.
Accounting, inventory and ordering platforms.
The cost of the changeover week.
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.
Hardware can be equipment financing. The software, training and migration fit working capital.
Between peaks, with staff trained ahead.
Yes. A vendor quote is what a file needs.
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.
