Funding situations
Revenue that arrives in a few large deposits reads as less predictable than the same total in many small ones.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Lumpy deposits make payments harder to carry between arrivals. Show cadence, bill more often and consider weekly or biweekly schedules.
| Pattern | Month |
|---|---|
| Steady | 45 deposits averaging $1,100 |
| Lumpy | 4 deposits averaging $12,400 |
| Same total | About $49,500 each month |
The published sheet asks for 8 or more deposits a month on tier one. Lumpy files often sit below it.
A payment is collected daily or weekly. A business whose money lands once or twice a month has to carry the payments between deposits from the balance, which tests the account harder.
See few monthly deposits and weekly payments.
A consultant is paid four times a month in $12,000 chunks and averages $48,000. Her account is thin between deposits, and a daily debit would overdraw it. She asks for weekly debits placed the day after her usual deposits, and the same advance becomes workable. The revenue was never the issue; the timing was.
Source: Merchant Fund Express.
No. Irregular timing is the issue, not size. Source: Merchant Fund Express.
Tier one reads 8 or more per month.
Some products allow it. Ask.
Show the history, and ask about a payment schedule that follows it.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
