When your last three months are strong — before you are desperate. Recent deposits drive the offer.
Check my optionsRequirements
The best time to apply is when your bank statements look their strongest and before the need becomes urgent. Applying from a position of strength usually produces larger offers, lower costs and more choice.
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.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
You can apply at 500; stronger credit opens more products.
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.
Apply after strong months. Revenue-based funders typically review the last three to six months of statements. Applying right after your busiest stretch means the average deposits and balances underwriters see are at their best. Applying in the middle of a slow season shows the weakest picture.
Apply before the crunch. If you can see a cash gap coming in your forecast, such as a seasonal dip, a large order requiring materials or a tax payment, apply several weeks ahead. Urgency limits your ability to compare offers and negotiate, and statements may already show strain by the time the gap arrives.
Avoid applying right after a negative event. A week of negative balances, a returned payment, a large one-time withdrawal or a new tax lien can reduce offers or cause a decline. If one of these happened recently, waiting a month or two for cleaner statements often helps, unless the need is truly urgent.
Consider timing within the week. Applying early in the business week, early in the day, with complete documents leaves room for same-day decisions and next-day funding before a weekend or holiday.
For bank and SBA loans, timing also depends on your tax filings and financial statements being current. Applying soon after filing taxes, with year-end financials ready, avoids delays.
MFE considers credit from 500 and can provide same-day decisions when applications arrive complete and early.
Here is an offer based on statements from a strong recent period. 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.
| After strong months | Best statements |
| Weeks before a forecast gap | More choice, less urgency |
| After a negative event | Wait for cleaner statements if possible |
| Early in the week and day | Room for fast funding |
| For banks | After taxes and financials are current |
Good fit:
Probably not yet:
After strong months and before the need is urgent.
Preferably before it, when statements are stronger.
Waiting for cleaner statements can improve the offer.
Applying early in the week leaves room for fast funding before weekends.
After taxes are filed and financial statements are current.
Often the same day with complete documents.
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