Use of funds
Course and exam fees, wages during the training and any equipment the certification requires.
✓ 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 certification can open higher-paying contracts, and the course, exam and unpaid time for the crew arrive before the first job that requires it.
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.
Course and exam fees, wages during the training and any equipment the certification requires. Compare with the contract value it unlocks.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Course and exam fees for 4 people | $9,200 |
| Wages during 5 training days | $7,000 |
| Total | $16,200 |
| Contract value unlocked | Compare against the bids you now qualify for |
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 single lump sum for training and the transition. See the page →
If training is a recurring part of the business. See the page →
Training for a certification with no customer asking for it yet.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
If it is tied to specific work you cannot currently bid, yes. 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.
