Merchant Fund Express
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Working Capital for Printing Companies

Cover supplies, payroll and slow-paying clients without waiting on a bank. Three months of bank statements, soft pull to start, and funding in as little as 24 hours if qualified.

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Working Capital for Print Shops

Keep jobs moving while invoices catch up

Working capital gives your shop room to buy stock, pay your team and take on bigger orders, with the full repayment amount shown before you accept.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

What print shops get with us

Fast and simple

A 5-minute application and about three months of statements. No tax returns required.

Room on credit

FICO 500+ considered. Your deposit history from print work is a big part of the review.

No guessing on cost

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Predictable payments

Your repayment schedule is laid out in the offer up front, so you can plan around client terms.

Cash flow tight this month?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The cash cycle of a print shop

Ask any print shop owner where the money goes and the answer is usually the same: into the job before the job pays. You buy the stock, run the press, pay the operator, deliver the order and then wait. Corporate clients, schools, agencies and nonprofits often pay on net terms, and a few slow payers can tie up more cash than you would like.

Working capital for printing fills that space. It is money for day-to-day operations: supplies, payroll, rent, maintenance and the costs that come with growing. It is not tied to one machine, so you can point it wherever the shop needs it.

A few situations where it helps

For illustration, here is how shops commonly use working capital:

How we review a print business

We look at about three months of business bank statements to understand your deposits, the rhythm of your orders and any financing payments already coming out. We start with a soft credit pull, and FICO 500+ is considered. No tax returns are required, and sole proprietors can apply.

The amount we can offer depends mainly on your deposits and existing obligations. Our overall range is $25,000 to $5,000,000, and funding can arrive in as little as 24 hours for qualified businesses.

Planning beyond the next job

Working capital works best with a plan for how the money comes back. Our printing cash flow guide covers deposits, client terms and timing purchases. If you need repeated access to funds rather than one lump sum, compare a business line of credit for printing. If the need is a specific press or finisher, look at equipment financing for printing.

When you are ready, start your 5-minute application.

Frequently Asked Questions

What can working capital be used for?

Day-to-day operating needs such as paper and supplies, payroll, rent, maintenance, marketing and covering the wait on client invoices.

How much working capital can a print shop get?

Our range is $25,000 to $5,000,000. The amount depends mainly on your deposits and what you already owe.

Do I need to show profit on tax returns?

No tax returns are required. We review about three months of business bank statements.

Can I apply if my credit is not great?

FICO 500+ is considered, and credit is weighed along with your deposits and existing obligations.

How do I know the total cost?

Your offer shows the full repayment amount and the repayment schedule before you accept, with no surprise costs after signing.

Can I use working capital while waiting on a large invoice?

Yes. Covering the wait between finishing a job and getting paid is one of the most common uses. Funders look at your deposit history, so steady payments from past clients help show how the business runs.

Blank apparel $28,000.00
Operator payroll $39,000.00
Substrate buy $24,000.00
Rent and overhead $31,500.00

Example uses for illustration only.

How to improve your chances

Shops that prepare these items tend to get a cleaner offer.

  • Keep all print revenue in one business account
  • Know your average days to collect from clients
  • Have three recent months of statements ready
  • Write down what the working capital will cover

Working capital with us vs a bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms and meetings
Documents
About three months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Use of funds
Flexible operating needs
Often restricted
Funding speed
As little as 24 hours if qualified
Often several weeks

Give your shop some breathing room

One secure application. A soft credit pull to start. No obligation to accept an offer.

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