Paper, ink and payroll come due before clients pay. Here is how print shops smooth the gap, and how our working capital can help when a big job lands.
Check My OptionsPrinting cash flow
Print work is paid for at the end, but costs hit at the start. Funding from $25,000 to $5,000,000 can cover stock, labor and equipment in between.
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.
A 5-minute application and about three months of bank statements. Qualified shops can be funded in as little as 24 hours.
FICO 500+ considered. We focus on the steadiness of your deposits, not just a score.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer up front so you can plan it against your job pipeline.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Printing cash flow has a built-in lag. You buy paper, ink, plates and substrates before a job runs, pay your press operators every week, and then wait for the client to pay an invoice that may sit for weeks. A big order from a school district, a campaign, or a retail chain can look great on paper and still drain your checking account while it is in production.
Ask for deposits on large or custom jobs so materials are covered upfront. Invoice the day a job ships, not at month end. Track which clients pay slowly and price that delay into your quotes. Keep a short rolling forecast of deposits against payroll and supplier bills so a gap shows up weeks ahead instead of the morning it hits.
Match the product to the problem. A one-time stock purchase for a known order suits a lump sum of working capital. Recurring swings, like heavy spring catalog work followed by a quiet summer, often suit a line of credit you draw only when needed. A new press or finisher fits equipment financing, since the machine itself is what you are paying for. If your shop is newer or your credit has had bumps, read how printing businesses qualify to see how funders weigh deposits, existing obligations and credit together. Planning ahead for slow season funding is easier than reacting in the middle of a dry month.
Sometimes the gap is simply timing: a profitable order needs stock now and pays later. That is where we come in. Merchant Fund Express offers working capital for printing, a business line of credit for printing you can draw on when jobs stack up, and equipment financing for printing for presses and finishing gear. Funding ranges from $25,000 to $5,000,000, and we review about three months of business bank statements instead of tax returns.
If you are ready, start the 5-minute application. It begins with a soft credit pull.
Mainly your business bank deposits over roughly the last three months, how steady they are, and what other obligations you already carry. FICO scores of 500 and up are considered.
Yes. Covering stock and labor for a large job while you wait on the client's payment is a common use of working capital.
No. We do not require tax returns. Bank statements tell us most of what we need.
Qualified businesses can be funded in as little as 24 hours after approval and signed paperwork.
Yes. Sole proprietors can apply.
Yes. Many shops apply exactly then, when stock and labor are already spent and the client has not paid yet. We review your recent deposits and current obligations.
Example uses for illustration only.
A few habits make a print shop's cash flow easier to read and easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding