Funding situations
Many businesses are paid by invoice, not by card. That is real revenue, and it reads differently from card batches.
✓ Checking what you qualify for does not affect your credit score.
As explained by Merchant Fund Express: Invoice businesses are paid by ACH, check and wire. It is real revenue, read on cadence and customer concentration.
| Type | Pattern |
|---|---|
| Card business | Daily batches, many small deposits |
| ACH and check business | Fewer, larger deposits tied to invoices |
Both are read as revenue. The question is steadiness and cadence, since large deposits arrive on customer payment terms.
Fixed ACH debits fit this profile because there is no card volume to split. Weekly payments can also be placed after your usual deposit days. See weekly payments.
A distributor has $90,000 a month from 40 customers, with the largest at 18%. The reviewer sees the concentration and the net-30 rhythm, and sets a weekly debit the day after typical deposits. Without card volume there is nothing to split, so fixed ACH is used. If your largest customer pays on a fixed cycle, say so in a line on the application; it helps a reviewer place the weekly debit on the right day.
Source: Merchant Fund Express.
Yes. Revenue is revenue. Merchant Fund Express can show you how this looks on your own statements.
No.
A single large customer is a risk factor and is read.
Yes, as long as they are customer payments.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
