Use of funds
Add up one full payroll including employer taxes, then multiply by the number of payrolls that fall before the next expected deposit.
✓ 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.
Payroll goes out on a fixed day. The money that is meant to fund it, a customer payment, a platform payout or an insurer remittance, lands on its own schedule. The gap is usually days, occasionally weeks, and it is the most common reason a profitable business asks for capital.
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.
Add up one full payroll including employer taxes, then multiply by the number of payrolls that fall before the next expected deposit. Add a small cushion, but resist sizing for the whole year; a gap is sized in weeks, not months.
An illustration with round numbers. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Weekly payroll including employer taxes | $14,000 |
| Payrolls before the delayed deposit lands | 2 |
| Gap to cover | $28,000 |
| A single draw sized with a small cushion | $30,000 |
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 for the one payroll and repay when the deposit arrives, paying only on what you drew. See the page →
A short lump sum when the gap is a known quantity, like a seasonal dip. See the page →
If the gap exists because B2B invoices are slow, selling the invoice shortens the wait itself. See the page →
Using a long-term obligation to solve a two-week problem. If the same gap repeats every month, the business has a timing problem that a recurring line fits better than repeated advances.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
A person reviews your file and a decision is typically same day, with funding usually the next business day. If payroll is due sooner than that, talk to us before the deadline so the timing can be planned. 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.
