1) Revenue-based funding. 2) Merchant cash advance. 3) Online line of credit. 4) Equipment financing. 5) Invoice factoring.
Check my optionsFinancing options
When a bank says no, or cannot move fast enough, five alternative channels cover most small-business needs: revenue-based funders, online lenders, factoring companies, equipment lenders and community lenders. Each fits a different situation.
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.
Advances, lines of credit and second-position options in one place.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
One, revenue-based funders and merchant cash advance providers. They size offers on bank deposits, consider credit from 500 and can fund the next business day. Best for short-term, high-return needs such as inventory, repairs and timing gaps. Cost is higher than a bank, and payments are frequent.
Two, online lenders. They offer term loans and lines of credit with faster underwriting than banks, often within days, using bank and accounting data. Best for businesses with moderate to good credit and around a year or more of history that want lower costs than revenue-based products.
Three, factoring companies. They advance cash on invoices to creditworthy commercial customers, typically within a day or two. Best for B2B businesses such as staffing, trucking, manufacturing and wholesale with customers who pay in 30 to 90 days.
Four, equipment lenders and vendor financing. They finance machinery, vehicles and technology with the asset as collateral. Best for specific equipment purchases, often with easier approval than unsecured credit.
Five, community lenders: CDFIs, SBA microlenders and local development funds. They offer affordable loans and technical assistance to underserved businesses, with flexible criteria but slower processing. Best for planned needs where time allows. A marketplace such as MFE reaches several of these channel types with one application.
Choosing among the five usually comes down to two questions: how fast you need the money and what you can show. If you need it this week and have steady deposits, revenue-based funding fits. If you have reliable B2B invoices, factoring may be cheaper. If you need a specific machine, equipment financing is usually the efficient choice. If time allows and your needs are modest, community lenders often offer the best terms.
Some businesses use two alternatives at once, such as factoring for receivables and a small revenue-based advance for a one-time repair. Combining is fine as long as total payments fit your slowest weeks and each provider knows about the others.
Here is an offer from alternative one, a revenue-based funder. Illustrative numbers.
| Amount funded | $150,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $180,000 |
| Fees deducted at funding (3%) | $4,500 |
| Net cash you receive | $145,500 |
| Weekly payment over 44 weeks | $4,091 |
| Same total as daily debits (~220 business days) | $818/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Revenue-based funders | Fast, deposits-based |
| Online lenders | Days, moderate credit |
| Factoring companies | Cash from invoices |
| Equipment lenders | Asset-backed |
| Community lenders | Affordable, slower |
Good fit:
Probably not yet:
Through revenue-based funders, online lenders, factoring, equipment lenders or community lenders.
Revenue-based funding, often next business day.
Community lenders and online lenders for qualified borrowers, typically.
Factoring, if customers are creditworthy.
Yes, for example equipment financing plus a revenue-based advance.
Options begin at 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding