Funding for your situation
How to bridge the gap when customers pay on net 30, 60 or 90 and your bills do not.
✓ Checking what you qualify for does not affect your credit score.
The work is done, the invoice is out and the customer will pay in sixty days. In the meantime payroll, rent and suppliers are due this week. That is a timing problem, and there are structures built for it: factoring, a line of credit and short-term working capital.
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 |
|---|---|
| Open invoices outstanding (illustrative) | $60,000 |
| Payroll due before customers pay (3 weeks) | $21,000 |
| Supplier payments for the next job | $12,000 |
| Rent, insurance and fixed costs | $7,000 |
| Cushion for overruns and slow early weeks (about 10%) | $10,000 |
| Cash to bridge until invoices are paid | $110,000 |
Sizing check. If the full repayment shown in an offer were $143,000 over about 26 weeks, the weekly debit would be about $5,500. Against illustrative monthly deposits of $110,000 (about $25,385 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.
The cost that cannot wait.
Keeping the pipeline moving.
Rent, insurance and software.
Not tied to when customers pay.
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.
Invoice factoring is built on your invoices and customers. A line of credit is a reusable pool built on your account. Many owners compare both.
Depends on the structure. Some factoring is notified; other arrangements are quiet. Ask before signing.
A funder will look at concentration and aging. A few slow accounts are normal; a book dominated by them is not.
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.
