Use of funds
Get a written estimate or retainer amount and the expected duration.
✓ 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.
A lawsuit, an audit, a licensing action or a major accounting clean-up arrives with invoices attached. These are non-optional and usually unplanned.
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.
Get a written estimate or retainer amount and the expected duration. Add a reserve; matters tend to run long.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Retainer | $7,500 |
| Estimated further fees | $12,000 |
| Reserve at 20% | $3,900 |
| Total | $23,400 |
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.
A lump sum to cover the retainer and first months. See the page →
Draw as invoices arrive. See the page →
Funding a dispute with no view of its likely cost and timeline. Ask for a budget.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
They are an ordinary business cost; the review is of your revenue and bank activity. 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.
