Merchant Fund Express
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Funding for a Big Contract for Furniture Stores

Pay suppliers for a hotel, office or apartment order before your client pays you. Apply in 5 minutes with about three months of bank statements.

Fund My Contract

Furniture Contract Funding

Say yes to the commercial order without emptying your account

Suppliers want payment at shipment. Clients pay after delivery. Funding from $25,000 to $5,000,000 bridges the gap so you can deliver on time.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Contract funding that keeps up

Quick, paperwork-light process

A 5-minute application and about three months of statements. Qualified stores can be funded in as little as 24 hours.

Credit is not the only factor

FICO scores of 500 and up are considered. We start with a soft pull and look closely at your deposits.

Full cost shown up front

You see the full repayment amount in your offer before you accept. No surprise costs appear after you sign.

Repayment you can map to the job

Your repayment schedule is in the offer up front, so you can line it up with the client's payment terms.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The order is big. The upfront cost is bigger.

Landing a commercial order feels great until you look at the timeline. A hotel refreshing its rooms, a property manager furnishing model apartments, an office moving into a new floor, or a home stager who wants a steady supply. These clients often pay a deposit and the balance after delivery, while your manufacturer wants payment when the order ships.

Funding for a big contract fills the space between what you owe suppliers and when your client pays you, so you can say yes without emptying the store's account.

Costs a contract can bring

Look at the payment terms first

Before you sign, read the client's payment terms closely. When is the deposit due? Is the balance paid on delivery, after a punch list, or on a longer invoice cycle? Knowing when cash actually comes in tells you how much funding you need and for how long. We can help you size a request around that timeline.

For contracts that come with several staggered deliveries, a business line of credit lets you draw as each phase ships. For one large purchase, working capital may be simpler.

How we review a contract request

We base our review mainly on about three months of your business bank statements. No tax returns are required. FICO scores of 500 and up are considered, and we start with a soft credit pull. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on your deposits and existing obligations. Qualified businesses can be funded in as little as 24 hours.

Your offer lists the full repayment amount and repayment schedule before you accept. Apply in 5 minutes and keep the contract on track.

Protect the retail side

A big contract should not leave your showroom empty. Plan so the commercial order and your everyday retail customers both get served. Owners who keep the two separate in their books find it easier to see what the contract really earned once it wraps up.

Frequently Asked Questions

Do I need to show you the contract?

Having it ready helps us understand the amount and timing you need, but the review is based mainly on your bank statements.

Can I get funding before the client pays a deposit?

You can apply at any point. Many owners apply once the contract is signed so the money is ready when suppliers need payment.

What kinds of furniture contracts are common?

Hotel and hospitality refreshes, apartment and model unit furnishing, office moves and steady orders from home stagers are a few examples.

How much can I request?

Funding ranges from $25,000 to $5,000,000 and depends mainly on your deposits and existing obligations.

How quickly can funds arrive?

Qualified businesses can be funded in as little as 24 hours.

Hotel rooms order $150,000.00
Model units $48,000.00
Office seating $72,000.00
Install crew $16,000.00

Example uses for illustration only.

How to improve your chances

These steps help a contract request move smoothly.

  • Have the signed contract and payment terms on hand
  • Get supplier invoices or quotes for the full order
  • Map out when each delivery and payment is expected
  • Keep retail and contract spending tracked separately

Contract funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Timing
As little as 24 hours if qualified
Weeks, often past the order date
Paperwork
About 3 months of statements
Tax returns and full financials
Credit
FICO 500+ considered
Usually higher score expected
Starting check
Soft credit pull
Hard inquiry is common
Applicants
Sole proprietors can apply
Often prefer larger firms

Deliver the big order on schedule

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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