Use of funds
Estimate the monthly increase in cost of goods, multiply by the months it will take you to reprice, and fund that amount, not the whole year’s inventory..
✓ 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.
Costs rose faster than prices. Raising prices takes time, a menu reprint or a customer conversation, and in the meantime the margin that used to fund the gap has thinned.
The review is of the business as a whole: revenue, time in business, bank activity and any open positions. Say what the money is for and how it will be repaid; a specific plan makes the file easier to read.
Estimate the monthly increase in cost of goods, multiply by the months it will take you to reprice, and fund that amount, not the whole year’s inventory.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Monthly cost of goods | $40,000 |
| Cost increase | 7% |
| Extra cost per month | $2,800 |
| Months to reprice | 3 |
| Bridge needed | $8,400 |
Match the structure to the shape of the need. A one-time, defined cost fits a lump sum or a term loan; a recurring or uncertain need fits a line you draw and repay.
A bridge while pricing catches up. See the page →
Draw monthly as the squeeze appears. See the page →
Borrowing to hold prices low indefinitely. Capital bridges a transition; it does not change the unit economics.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
No. It buys time to reprice or renegotiate. If the margin is permanently below the cost of the capital, the first fix is operational. 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.
