Set up January in December: equipment, a new contract, or a cushion for the slow start. For established businesses doing $60K or more a month.
Plan my year-endYear-End Planning
Year-end capital helps you start the new year with momentum. Requests go through our partner, Merchant Fund Express, with the full cost shown up front.
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.
A 5-minute application and roughly three months of statements. Qualified files can fund in as little as 24 hours.
FICO 500+ considered, starting with a soft pull. Your revenue through the year carries weight.
The full repayment amount is in your offer before you accept, ready for your new-year budget.
Your repayment schedule is laid out up front, so January and February cash flow hold no surprises.
The last weeks of the year are when growing owners look at the numbers and decide what next year looks like. Maybe a client has signed a bigger contract starting in January. Maybe the shop is running at capacity and a new machine would add a shift. Maybe January and February are historically slow and you want a cushion so you are not trimming staff right after the holidays.
Each of those is a forward-looking decision, and each is easier with capital in place before the calendar turns.
Before asking for anything, sketch your first quarter. For illustration only: an auto repair shop deposits about $80,000 in a typical month but sees closer to $60,000 in January. It wants to add a second lift that should raise capacity by roughly 20 percent by March. The forecast shows a tight January and a stronger spring, which points toward an amount and structure that fit the dip rather than ignore it. That kind of thinking makes for a stronger request, and it gives you a benchmark to measure the investment against once spring arrives.
| Goal | Product to consider |
|---|---|
| New equipment | Equipment financing |
| Contract startup costs | Working capital |
| Uneven Q1 cash flow | Business line of credit |
| Sales-driven repayment | Revenue-based financing |
Bank holidays can slow transfers at the end of December, so starting early helps. The application takes about 5 minutes and begins with a soft credit pull. You will need about three months of business bank statements; no tax returns are required. FICO 500+ is considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours, provided through our partner Merchant Fund Express. Most applicants are established businesses doing $60K or more a month. Start your application.
They can. Transfers depend on bank processing, so applying earlier in December gives you more room.
You can use equipment financing for equipment purchases. For any tax treatment, confirm with your tax advisor; we do not give tax advice.
Funders review about three months of recent business bank statements, so your fall months will usually be part of the picture.
No. Credit repair and funding are separate. FICO 500+ is considered, and you can apply based on revenue now.
Example uses for illustration only.
These year-end habits set up a cleaner review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding