A reduction in the remaining payback when you pay the balance early. Ask for the exact discount schedule in writing — ours is applied at 30, 60 and 90 days.
Check my optionsCost and offers
An accelerated delivery discount, often called an early payoff discount, reduces the remaining balance on a merchant cash advance when you deliver the full purchased amount early. The value depends on the schedule in your agreement and on how much has already been remitted.
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.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
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.
Advances are priced as a fixed purchased amount. Without a discount, the payoff at any point equals the purchased amount minus what has been remitted. An accelerated delivery provision changes that by reducing the purchased amount, or crediting a portion of the unremitted cost, if you pay in full within a specified window.
Schedules are usually tiered by time. For example, an agreement might define the discount in dollars or as a percentage of the remaining cost component, with the largest reduction for payoff within 30 days, a smaller one within 60 days and a smaller one within 90 days. After the last window, the full remaining purchased amount is due. MFE applies its discount at 30, 60 and 90 days; ask for the exact figures for your offer.
Work an example with your numbers. If you received $40,000 and the purchased amount is $52,000, the cost component is $12,000. Suppose by day 45 you have remitted $9,000, leaving $43,000. If the agreement reduces the remaining cost by a stated amount for payoff within 60 days, subtract that from $43,000 to find the payoff. Always confirm with a written payoff letter, since the funder calculation governs.
Check how the discount interacts with renewals and buyouts. Some agreements apply the discount only when you pay from your own funds; others apply it when another funder pays off the balance in a buyout. If you plan to refinance, ask in advance.
Decide based on cash, not just savings. Paying early saves money only if you can do it without creating a new shortfall. Keep a reserve after payoff so payroll and suppliers are covered.
Request the payoff letter before sending funds, pay by the method and date it specifies, and ask for confirmation that debits will stop and the UCC filing will be terminated.
Here is a worked example of an early-delivery discount. Illustrative numbers.
| Amount funded | $60,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $75,000 |
| Fees deducted at funding (3%) | $1,800 |
| Net cash you receive | $58,200 |
| Weekly payment over 48 weeks | $1,562 |
| Same total as daily debits (~240 business days) | $312/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Purchased amount | Funded amount x factor |
| Remaining balance | Purchased amount - remitted |
| Discount windows | Typically tiered, e.g. 30/60/90 days |
| Payoff letter | Governs the exact figure |
| Renewal or buyout | Ask whether the discount applies |
Good fit:
Probably not yet:
A reduction in the remaining balance when you deliver the full purchased amount early.
By a schedule in the agreement, usually tiered by time.
30, 60 and 90 days; request exact figures for your offer.
It depends on the agreement; ask in advance.
A written payoff letter from the funder.
Only if you can keep an adequate reserve afterward.
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