Use of funds
Second-shift payroll and supervision, utilities, materials and any extra maintenance, multiplied by the weeks before the added orders pay..
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, we start from what the money is for, because the use decides the amount, the structure and the timing.
Running the plant, kitchen or shop another eight hours doubles capacity and starts the payroll, utilities and supervision costs before the first extra sale.
A funder reading a request like this looks at the business, not just the purpose: deposits and their consistency, average daily balance, negative days and any open advances. A clear, specific use with a defined amount reads better than a general request.
Second-shift payroll and supervision, utilities, materials and any extra maintenance, multiplied by the weeks before the added orders pay.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Second-shift payroll per week | $11,000 |
| Added utilities and supervision per week | $2,500 |
| Weeks before added revenue is paid | 8 |
| Funding to cover the ramp | $108,000 |
The cheapest structure is usually the one that is outstanding for the fewest days. Fund the gap, not the whole year, and prefer a schedule you can see before you sign.
Draw as the second shift ramps and repay from added revenue. See the page →
A lump sum if the added orders are already contracted. See the page →
Adding a shift without orders. Capacity is only valuable when it is sold.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Compare the added gross profit at full utilisation against the added fixed cost, then fund only the ramp period. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.
A person reviews your revenue, time in business and bank activity, and a decision is typically same day. Approved files are usually funded the next business day.
No. Checking what you qualify for does not affect your credit score.
Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.
