Calculator
Add your monthly operating costs, the cash you have and what is coming in. See the cushion you want and the gap to fill.
✓ Checking what you qualify for does not affect your credit score.
At Merchant Fund Express, here is the short answer: Add monthly costs, cash and near-term receivables to see the cushion you want and the gap to fill.
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
Working capital is what a business has available to run on: cash and near-term receivables, less what it must pay out over the same period. See the glossary on working capital and cash-flow gap.
A short advance or a draw on a line, repaid from the receivables you can see.
A sign the margin or the cycle needs work; funding alone will not fix it.
Size to the peak need and repay in the season.
Related: working capital funding and using proceeds wisely.
An owner with $42,000 in monthly costs wants two months of cushion, $84,000. With $15,000 in cash and $18,000 in receivables, the gap is $51,000. She sees that borrowing $51,000 at once is more than she needs and aims for a $25,000 line to cover timing.
Source: Merchant Fund Express.
Two is a common target, more for volatile revenue. That is how Merchant Fund Express reads it on a real file.
Only those you expect to collect in the window.
It is a starting point; size also depends on payment capacity.
Run it through the funding calculator.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
