Start from the purchase, not the maximum
Work out the full cost of what you are actually doing — including the parts that get forgotten — and size to that. Do not size to whatever the offer allows.
Why borrowing too little costs more
If you take $30,000 for a $45,000 need, you come back in six weeks for the rest. Now you are taking a second position at second-position pricing, on top of a payment already running. That combination costs materially more than the single correct facility would have.
The payment test
| Check | What good looks like |
|---|---|
| Remittance as a share of daily deposits | Leaves clear margin in your slowest week, not your average one |
| First payment date vs revenue date | Revenue arrives first |
| Total repayment vs gross margin | Margin comfortably exceeds the cost of funding |
| What happens at 30% slower sell-through | The payment still works |
When the answer is to borrow nothing
If the cost of funding exceeds the margin the purchase produces, the deal does not work at that price. We would rather tell you that than place it. Thin-margin reorders with slow sell-through are where this comes up most.
Common questions
How much can I get?
$5,000 to $5,000,000 depending on the business. Deposit-based offers are sized against your bank deposits.
Is it better to borrow more than I need?
No — borrow what the purchase actually costs including the forgotten extras. Excess borrowing is still repaid with cost attached.
What if I need more later?
A second position is possible, but it prices worse than sizing correctly the first time. Use the qualification checker before deciding.
How do I know the payment is safe?
Model it against your slowest week, not your average week.
See what you qualify for
Same-day decision. Applying takes a few minutes and will not affect your credit score.