Use of funds
Fees, rework labour and the daily carrying cost of the delay.
✓ 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 failed inspection means a re-inspection fee, rework and a week of delay on a project whose costs keep running.
Underwriting leans on bank activity: how much comes in, how steadily, and what the balance looks like between deposits. A request that is tied to a specific, near-term need is easier to size and to approve.
Fees, rework labour and the daily carrying cost of the delay. Treat a re-inspection as a likely cost on complex projects.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Re-inspection and permit fees | $1,800 |
| Rework | $6,400 |
| Delay at $900 a day for 5 days | $4,500 |
| Total | $12,700 |
Before you choose, ask two questions: how long will the money be out, and where will the repayment come from? The answers narrow the options quickly.
A fast lump sum to clear the fees and rework. See the page →
A standing line for projects with recurring permitting. See the page →
Starting work without the permits in hand. Stop-work orders cost more than fees.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Yes; they are an ordinary business expense and the review is of your business. 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.
