The short answer
What changes at $100K
Below this level, owners often take whatever product they qualify for. At $100,000 a month you usually have a choice, and the choice matters. Larger amounts also mean the payment is a bigger dollar figure, so mistakes cost more.
The Merchant Fund Express $100K revenue page shows how MFE's guidelines line up at this size.
Line of credit or advance
- Line of credit: you draw what you need, repay it, and draw again. You pay only on what you use. MFE's guidelines commonly look for 1+ year in business and credit near 650.
- Advance: one lump sum, repaid daily or weekly. Credit flexible and commonly from 3+ months in business. Better for a one-time need, worse for repeat gaps.
- Working capital loan: a fixed lump sum on a set schedule, commonly 6+ months and about 600 credit. A middle ground.
Our line of credit versus MCA comparison goes deeper on the trade-offs.
Check what your business qualifies for
Merchant Fund Express reviews business funding at $100k a month in revenue requests from $5,000 to $5,000,000. Scores from 500 are considered, and same-day decisions are common on complete files.
Check funding options with Merchant Fund ExpressIllustrative example: $60,000 two ways
Assumptions: a wholesale distributor deposits about $100,000 a month and needs $60,000 for a bulk inventory buy. Option A is an advance at an assumed factor rate of 1.30 with a 3% fee, repaid over 39 weeks. Option B is a $60,000 draw on a line with an assumed 2% draw fee and an assumed $7,200 in total charges, repaid over 12 months.
| Item | A: Advance | B: Line draw |
|---|---|---|
| Amount | $60,000 | $60,000 |
| Upfront fee | $1,800 | $1,200 |
| Net cash received | $58,200 | $58,800 |
| Total repayment | $78,000 | $67,200 |
| Payment | $2,000 a week | $5,600 a month |
These figures are illustrations, not offers. Real pricing, terms and amounts depend on the full file Merchant Fund Express reviews.
The advance costs more in total but needs less credit and time in business. The line costs less if you qualify, and you can redraw once it is paid down.
Who fits and who does not
A good fit has steady deposits near $100,000, a clear use, and room in its margin for the payment. A poor fit has revenue that depends on one large customer who could leave, or already pays two or more advances. In that case, review MCA consolidation first, since several existing positions point to a refinance rather than another advance.
Funding brings customers. Is your website ready for them?
At $100,000 a month, a bulk inventory buy is only as good as the demand you can reach, so product pages and an easy quote or order form need to be current before the stock lands. Cheap Cheap Websites builds professional sites from $399, and Website Care at $30/month handles hosting, backups and A/B testing of key pages.
Documents to have ready
- Three to four months of business bank statements.
- Owner ID and a voided business check.
- A short application.
- For requests toward the top of the range: a recent profit and loss statement and the latest business tax return.
- A schedule of existing debts and their payments.
When to wait
- If you are at 11 months in business, one more month may open a line of credit.
- If a credit score near 640 is close to a cutoff, paying down card balances first can move offers.
- If inventory sells over six months, a short advance repaid over 39 weeks may outrun your sales cycle. Match the term to how fast the goods turn into cash.
Related funding guides
Cheap Cheap Websites builds websites. It does not lend or make funding decisions. Funding is offered by our funding partner, Merchant Fund Express, and every request is subject to its review and approval. Figures on this page are illustrations, not offers. Updated October 15, 2026.