Use of funds
List monthly fixed costs and multiply by the number of lean months you expect.
✓ 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.
Utilities, rent, insurance and software are due whether or not it was a good month. A single weak quarter can build a stack of overdue notices.
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.
List monthly fixed costs and multiply by the number of lean months you expect. The gap, not the whole total, is what to fund.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Fixed costs | $19,500 a month |
| Lean months expected | 3 |
| Revenue shortfall against costs | $21,000 over the quarter |
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 monthly as the gap appears. See the page →
A lump sum if the lean period is defined. See the page →
Funding losses rather than a temporary dip. If the lean quarter is the new normal, the business needs changes, not capital.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Not if the dip is temporary and understood. It is a problem when it repeats without a 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.
