Use of funds
Production run, packaging, samples, listing or shelf fees and launch marketing.
✓ 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 launch needs product, packaging and marketing before it has a single sale, and the first order may arrive 60 to 90 days after the first expense.
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.
Production run, packaging, samples, listing or shelf fees and launch marketing. Add working capital for the period between spending and getting paid.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| First production run | $22,000 |
| Packaging and samples | $4,500 |
| Launch marketing | $6,000 |
| Total | $32,500 |
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.
A lump sum for the launch. See the page →
Payments follow sales as the product ramps. See the page →
Funding more inventory than the first sell-through proves. Start with a first run.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Fund the first run and the launch; reorder from sales proceeds once sell-through is proven. 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.
