Funding situations
Processor settlements are daily, timestamped and tied to sales. They are the cleanest revenue evidence a file can have.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Processor settlements are daily, timestamped and tied to sales, which is the cleanest revenue evidence a file can have.
Settlements arrive at a regular cadence, in a regular pattern, with processor names a reviewer recognizes. That makes revenue easy to verify and volatility easy to see.
| Item | Note |
|---|---|
| Net vs gross | Deposits are net of processor fees; reviewers read net |
| Reserves and holds | Processor holds can delay deposits and show up as gaps |
| Chargebacks | Can show as negative entries and are read |
A card-heavy business is the usual fit for split funding, where a percentage of each batch goes to the funder. See split funding vs fixed ACH and changing processors.
See MCA requirements.
A restaurant with $62,000 a month in settlements is read in minutes. The reviewer sees the same pattern week after week, backs out nothing and sizes a split to card volume. A similar restaurant with half its sales in cash takes longer because half the revenue has to be reconstructed.
Source: Merchant Fund Express.
Bank statements show settlements. Processor statements add detail if requested. Source: Merchant Fund Express.
Explain the hold; it can show as a gap.
Tips paid out to staff are not your revenue. Report net.
No. Fixed ACH is common too.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
