Show steady deposits, few negative days, a healthy average balance, disclose existing positions, and ask for an amount your revenue supports.
Check my optionsRequirements
Approval comes down to whether the funder believes the business can make the payments. You influence that belief through the strength and cleanliness of your bank statements, the honesty of your application and the fit between the amount and your cash flow.
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 human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
Net cash, total payback and payment shown before you sign.
Approved files are usually funded the next business day.
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.
Bank statements carry the most weight for revenue-based approvals. Underwriters want consistent deposits month to month, a healthy number of deposits rather than a few large ones, an average daily balance that shows cushion and few or no negative days. If your last month was rough, waiting a few weeks for cleaner statements can turn a decline into an approval.
Credit matters, but differently by product. Revenue-based funders consider scores from 500, with better credit improving amount, cost and term. Banks often want 680 or more. Recent derogatory items on business debt, such as a default on another advance, weigh more than older issues. If something negative is on your report, address it in the application with context and documentation.
Existing obligations can decide the outcome. Underwriters total the debits already leaving your account; if they consume too much of your revenue, they will decline or offer less. List every current loan and advance honestly. If the existing payments are the problem, ask about a buyout of up to $100K or a structured second-position offer that accounts for them.
Finally, ask for a reasonable amount. A request that is far out of proportion to your deposits invites a decline or a sharply reduced counteroffer. Tie the amount to a specific use and a realistic share of monthly revenue. Through MFE, one complete application reaches multiple funders, which improves the odds that at least one will approve your profile.
Approval odds also improve when the business answers the questions an underwriter would otherwise ask. A short cover note that states the amount, the use, how it pays back and any unusual items on the statements reduces back-and-forth and signals that the owner understands the numbers.
Here is an approval sized to a realistic share of deposits. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Consistent deposits | Most important for revenue-based |
| Few negative days | Shows cushion |
| Credit profile | From 500; better credit, better terms |
| Existing obligations | Reduce capacity for new funding |
| Reasonable request | Proportionate to deposits |
Good fit:
Probably not yet:
For revenue-based funding, consistent deposits and few negative days.
Revenue-based options consider scores from 500.
Often due to negative days, existing debt payments or a recent default.
A few weeks of cleaner statements can improve the result.
A marketplace application reaches several without separate submissions.
Ask about a buyout of up to $100K or a structured second position.
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