Merchant Fund Express
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Slow-Season Funding for Printing Businesses

Cover rent, press leases and staff through the quiet months, then hit your busy season ready. Apply in 5 minutes.

Plan My Off Season

Print Shop Off-Season Funding

Keep your best operators through the January lull

We look at your deposit history across busy and quiet months, so a predictable seasonal dip is reviewed in context.

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.

Funding for the off season

Quick and simple

Five minutes to apply with about three months of statements. Qualified shops can be funded in as little as 24 hours.

Flexible credit review

FICO 500+ is considered, along with your client deposits and standing orders.

Know the full cost

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Planned repayment

Your repayment schedule is laid out in the offer up front so you can match it to your season.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

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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.

Print has a calendar too

Every print shop has its own rhythm. For many, late summer brings school and back-to-office orders, fall brings holiday packaging and catalogs, and election years bring a flood of signs and mailers. Then January hits, budgets reset, and orders thin out. Some shops see a summer lull instead. The press lease, rent, software subscriptions and the operators you trained don't take a break, though.

Slow-season funding covers fixed costs through the quiet stretch so you don't lose good staff or fall behind on equipment payments.

Using the quiet months well

Slow months are also the best time to fix what busy months expose. Shops use off-season funding for:

How funders view a seasonal print shop

We look at about three months of business bank statements and the pattern behind them. A predictable seasonal dip is weighed differently from a steady decline. Recurring clients, standing orders and online sales all help show stability. Funders also factor in what's already coming out of the account, such as press leases.

FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and the amount depends mainly on deposits and existing obligations.

Picking the right structure

A business line of credit often suits seasonal shops, since you draw only as the quiet weeks require. Working capital fits a planned purchase like bulk paper. Revenue-based financing ties repayment to incoming revenue. If the off season is when you plan to replace a press, look at equipment financing for printing.

Every offer shows the full repayment amount and repayment schedule before you accept. The application takes about five minutes and starts with a soft credit pull.

Frequently Asked Questions

Will slow months on my bank statements hurt my application?

Seasonal dips are common in printing. Funders look at the full pattern and how deposits recover, rather than a single quiet month.

When is the best time to apply?

Ideally as your busy season ends, before cash gets tight. That gives you time to compare options.

Can I use slow-season funding to buy paper in bulk?

Yes. Many shops buy stock during quiet months when suppliers offer better pricing.

How fast can I get funded?

Qualified printing businesses can be funded in as little as 24 hours after approval.

What do I need to apply?

About three months of business bank statements and the 5-minute application. No tax returns.

Is a line of credit or a lump sum better for the off season?

A line of credit lets you draw only what each quiet week needs, which suits shops with uneven slow periods. A lump sum of working capital is simpler for one planned purchase, like bulk paper or press maintenance. Compare the full repayment amount and schedule in each offer before you accept.

Press maintenance $12,000.00
Bulk paper $28,000.00
Retain staff $35,000.00
New vertical ads $7,500.00

Example uses for illustration only.

How to improve your chances

Seasonal print shops can put themselves in a stronger position before the slowdown.

  • Build standing orders with repeat clients
  • Apply before the slow season begins
  • Note which months dip and by roughly how much
  • Keep business and personal spending separate

Off-season funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Seasonal dips
Reviewed in context
Often a concern
Documents
About 3 months of bank statements
Years of tax returns
Credit
FICO 500+ considered
Higher scores expected
Speed
As little as 24 hours if qualified
Weeks to close
Application
5 minutes
Branch meetings

Get through the slow months on your terms

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

Apply for Funding
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