Use of funds
Weekly fuel spend times the weeks of the receivable cycle.
✓ 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.
Fuel is paid at the pump, daily, while customers pay weeks later. A price spike widens the gap overnight, and a fleet feels it first.
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.
Weekly fuel spend times the weeks of the receivable cycle. Add a buffer for a price move rather than assuming today’s price will hold.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Weekly fuel spend | $9,000 |
| Receivable cycle | 45 days (about 6.5 weeks) |
| Fuel carried in the gap | $58,500 |
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 fuel bill builds and repay as receivables clear. See the page →
Shortens the receivable cycle that creates the fuel gap. See the page →
Letting fuel become a permanent borrowing line. If it is, rates or lanes need review.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Structurally it is working capital; the point is sizing it to the receivable cycle. 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.
