Urgent and short → revenue-based or MCA; recurring → line of credit; equipment → equipment financing; cheap and slow → bank or SBA.
Check my optionsFinancing options
The best financing depends on your situation. Here are six common scenarios small businesses face, and the products that usually fit each one, so you can find the case closest to yours.
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.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
A human reads the file, not just an algorithm score.
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.
Scenario one: an established business with strong credit buying property or doing a major renovation. A bank term loan or an SBA 7(a) or 504 loan usually fits, because the long term keeps payments low and the cost is lowest. Scenario two: a business with steady revenue that keeps running short between paying suppliers and getting paid. A business line of credit fits, since you draw and repay as needed.
Scenario three: a contractor or trucking company waiting 30 to 60 days on reliable commercial customers. Invoice or freight factoring turns those receivables into cash within days, with approval based mainly on the customers credit. Scenario four: a business that needs a specific machine or vehicle. Equipment financing or leasing spreads the cost over the asset life with the equipment as collateral.
Scenario five: a business with strong deposits but weak credit, or one that needs money within days for an inventory deal or urgent repair. Revenue-based funding or a merchant cash advance fits, approved on bank statements with credit from 500 considered and often funded the next business day, at a higher cost. Scenario six: a business already paying an advance whose daily payments are too heavy. A buyout of up to $100K or a structured second-position offer may consolidate or restructure the obligation.
Many businesses match more than one scenario over time. Through MFE, a single application can show which of these options you qualify for today and let you compare them side by side.
Here is the kind of offer that fits scenario five. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $181,250 |
| Fees deducted at funding (2%) | $2,500 |
| Net cash you receive | $122,500 |
| Weekly payment over 40 weeks | $4,531 |
| Same total as daily debits (~200 business days) | $906/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Strong credit, long-term project | Bank or SBA loan |
| Recurring supplier-to-payment gap | Line of credit |
| Slow-paying commercial customers | Invoice or freight factoring |
| Specific equipment | Equipment financing or lease |
| Weak credit or urgent need | Revenue-based funding |
Good fit:
Probably not yet:
It depends on your situation: purpose, timing, credit and cash pattern.
Revenue-based funding considers credit from 500 and focuses on deposits.
Factoring, which advances cash against invoices.
A buyout of up to $100K or a structured second position may help.
For long-term needs, often; for urgent needs, its timeline may not fit.
Yes, and a marketplace application can show them together.
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