Merchant Fund Express
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Third position funding

Third position funding for restaurants: what a funder needs to see.

A third position is harder to place, not impossible. The file has to show deposits that clearly carry three payments.

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

The short answer

A third position arrives behind two existing advances. It is read more cautiously, and the file has to show strong, steady deposits. Funding runs from $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses.

Amounts$25,000 to $5,000,000
SpeedDecisions move fast; funding in as little as 24 hours for qualified businesses
PaperworkAbout three months of business bank statements, no tax returns
CreditFICO 500+ considered; deposits and time in business carry the weight

What a funder reads

Coverage. Daily deposits that comfortably carry all payments.
History. Both prior advances paid as agreed.
Balance. Few low-balance days.
Disclosure. Every advance listed with its payment amount.

Read best options for third position funding.

Think before stacking

Each added payment shrinks cash flow. Make sure the use justifies the cost, review the full repayment amount in the offer, and consider whether a different product, such as a business line of credit, fits the need better.

Where restaurants use it

Equipment

Hoods, walk-ins and ovens.

Seasonal gaps

Payroll before a busy season.

Expansion

A second site or a patio.

Inventory

A large event order.

How to apply

About three months of business bank statements
Your business name, address and time in business
Basic owner information
A list of any existing advances or loans, with the payment amounts

The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.

Common questions

Can I get a third position?

Sometimes, if deposits clearly carry all payments. It is read more cautiously than a first or second position.

Do I need to list all advances?

Yes.

Do I need tax returns?

No.

What credit score is considered?

FICO 500+.

How fast?

As little as 24 hours for qualified businesses.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

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