Use of funds
Site build, photography, booking or ordering integration and the first months of search or ad spend.
✓ 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.
Customers check a phone before they check a door. A weak site loses calls and bookings quietly, and the fix arrives as a one-time cost with benefits that build over months.
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.
Site build, photography, booking or ordering integration and the first months of search or ad spend. Tie the total to the number of extra orders or bookings it must produce.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| Site and photography | $7,500 |
| First three months of search spend | $3,000 |
| Total | $10,500 |
| Extra jobs or orders needed to cover cost | Set against your average ticket |
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 for the project, repaid from added revenue. See the page →
If the spend recurs in smaller parts. See the page →
Paying for design without tracking calls and bookings. Measure what the site changes.
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 measurable bookings or orders, yes. Fund the project, not an open-ended marketing budget. 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.
