Short answer
Merchant Fund Express funds existing shipping, printing and sign franchise owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing, working capital and invoice factoring for business print accounts, from $5,000 to $5,000,000. Typical uses are wide-format and production printers, finishing and cutting gear, packaging stock, holiday payroll and store refreshes. Send three months of business bank statements and owner ID; a complete file usually gets a decision in 2–4 hours.
What shipping and print owners fund
A pack-and-ship or print center earns on two clocks: walk-in counter traffic that spikes at the holidays and business print work that bills on terms. Both need cash at different times.
Production printers
Wide-format, color production and sign printers, usually on a lease that comes up for renewal.
Finishing and cutting
Laminators, cutters, binders and vinyl plotters that turn a print order into a finished job.
Packaging and supplies
Boxes, fill, mailers and paper bought in bulk before the season.
Holiday staffing
Extra counter staff for the shipping peak, paid before December revenue settles.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Replace or add a production printer | Equipment financing | The machine anchors the deal; send the quote |
| Stock packaging before the holidays | Inventory funding | One-time buy repaid from peak sales |
| Staff up for December | Business line of credit | Draw for payroll, repay in January |
| Get paid now on business print invoices | Invoice factoring | Open invoices to business customers on 30–90 day terms |
| Smooth the post-holiday dip | Revenue-based financing | Payments track revenue |
| Fast cash for a printer repair | Merchant cash advance | Repaid as a share of deposits |
| Refresh the counter and signage | Franchise business loans | Lump sum on a set schedule |
How shipping and print deposits read
Counter sales arrive as daily card batches. Business print customers pay by check or transfer, often a month or more after the job. Shipping carriers and mailbox rentals add their own rhythms. A reviewer reads all of it across three months and looks hard at existing equipment leases, which are common in this sector, so list every one.
If you are applying in the fall, say what the store did last December in the description. Merchant Fund Express sizes holiday payroll and stock funding against the season you are about to have, not just the quiet months on the statements.
Hypothetical example, not a past deal: a print-and-ship center owner wins a regional business print account but needs a faster production printer and has three large invoices out on net-45 terms. A reviewer could put the printer on equipment financing and factor the business invoices, so the new account does not drain the store's cash.
Shipping and printing brands we fund
Brand pages live now: The UPS Store.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Pack-and-ship, mailbox, print, sign and promotional-products franchises all apply the same way. Remodeling to a new store look? See remodeling, and use seasonal cash flow to plan around the holiday peak.
Three fast calls shipping and print owners make
Printer lease ending and the machine is tired? Replace it on equipment financing before a breakdown costs you a business account.
September and the holiday rush is coming? Stock packaging and line up seasonal staff now with working capital or a line of credit, repaid from December sales.
Business clients paying slowly? Factor the open invoices and stop carrying their payment terms on your store's cash. Compare options on Equipment financing vs working capital.
What to send
- Apply in about 4 minutesName your shipping or print brand, the location and what the money is for.
- Upload statements and IDThree months of business bank statements per store entity, plus photo ID for each owner.
- Decision in 2–4 hoursOn a complete file. Same-day funding is available, and funding often lands the next business day.
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a print franchise owner finance a new production printer?
Yes. Production, wide-format and sign printers at an operating store are standard equipment financing requests.
Can I fund holiday staffing and packaging stock?
Yes. A line of credit or working capital covers the December build-up, repaid as peak sales land.
Can I factor invoices from business print customers?
Yes. Open invoices to business customers on 30–90 day terms can be factored.
Do existing printer leases count against me?
They are part of the review, not an automatic decline. List them so the new payment is sized realistically.
Are you affiliated with any shipping or printing franchise?
No. Merchant Fund Express is independent. Brand names appear only to help owners find this page.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.