Use of funds
Inventory for the first orders, packaging and shipping, listing or onboarding fees and the delay between shipping and getting paid..
✓ 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 new channel brings volume and a different cash cycle: wholesale pays in 30 to 60 days, marketplaces hold payouts, and shipping is fronted by you.
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.
Inventory for the first orders, packaging and shipping, listing or onboarding fees and the delay between shipping and getting paid.
An illustration. These are illustrative figures to show the arithmetic, not an offer.
| Item | Illustration |
|---|---|
| First wholesale order (at cost) | $18,000 |
| Shipping and packaging | $1,800 |
| Payment terms | Net 45 |
| Cash tied up for about 6 weeks | $19,800 |
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.
Draw per order cycle and repay as channels pay. See the page →
A lump sum for the first stock and setup. See the page →
For wholesale invoices on 30 to 60-day terms. See the page →
Accepting a wholesale account with terms you cannot finance. Price the cycle into the wholesale price.
Sole proprietors can apply. The minimum FICO is 500, and the better your credit, the better your offer. See the published requirements.
Include the cost of financing the gap in your wholesale price so a 45-day customer is not cheaper to you than a 15-day one. 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.
