Use of funds
Take the deposit percentage times the order value.
✓ 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.
Custom orders, imports and large purchases often require a deposit of a third to a half of the order. The customer’s money arrives later, so the deposit is a loan you make to your own order.
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.
Take the deposit percentage times the order value. If the customer has paid a deposit, subtract that; the gap is what you fund.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Order value (cost) | $60,000 |
| Supplier deposit at 40% | $24,000 |
| Customer deposit received | $9,000 |
| Gap to fund | $15,000 |
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 lump sum timed to the deposit date. See the page →
Reusable if deposits recur through the year. See the page →
Funding deposits for orders the customer has not committed to. Get a signed order first.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Yes in principle; what is reviewed is your revenue and bank activity, not the shipment, but longer lead times should be factored into the size and the repayment plan. 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.
