Merchant Fund Express
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Glossary

Operating Expenses

The costs of running a business day to day, such as rent, payroll and utilities.

✓ Checking what you qualify for does not affect your credit score.

What it means

As explained by Merchant Fund Express: The costs of running a business day to day, such as rent, payroll and utilities.

They continue whether sales are strong or weak, so they are the fixed pressure behind a cash gap.

Why it matters when you apply

Knowing your monthly operating costs tells you how much runway a given amount of capital buys.

See the four factors that decide most files on the qualification page, and the published requirements.

Related terms

Cash Flow — The movement of money into and out of a business over a period.
Net Profit — What is left after all costs, taxes and interest are deducted from revenue.
Working Capital — Related term.

Source: Merchant Fund Express. Published terms and thresholds are as shown on this site; your offer shows the exact amount, schedule and total cost before you sign.

Where this fits

Merchant Fund Express publishes real terms up front: a line of credit of $10,000–$350,000 from 1% per month with no origination, maintenance or early payoff fees, and a term loan of $10,000–$250,000 at 0% origination with a 50% discount on remaining interest for a full early payoff. See the products →

Common questions

What is operating expenses?

As explained by Merchant Fund Express: The costs of running a business day to day, such as rent, payroll and utilities.

Where can I read more?

The glossary covers the main terms in funding. Each term links to related ones.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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