Match the source to the asset: equipment financing for machines, a lump sum for build-out, and a line of credit for the ramp-up.
Check my optionsGrowth
Expansion can be financed with retained profits, bank or SBA debt, equipment financing, revenue-based funding or outside equity. Each has a different cost, speed and effect on control, and the best choice often combines two or three.
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.
Approved files are usually funded the next business day.
A person reviews your revenue, time in business and bank activity, often within hours.
Existing balances of $100,000 or less can be bought out.
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.
Retained profits cost nothing in interest and keep full control, but they grow slowly and can leave the business short of reserves if spent all at once. SBA 7(a) and 504 loans offer some of the lowest rates and longest terms available to small businesses, making them strong for real estate, build-outs and large equipment, but they require solid credit, documentation and weeks to months of processing.
Conventional bank term loans are similar but may require more collateral or a stronger profile. Equipment financing covers machinery and vehicles efficiently because the asset secures the loan. Revenue-based funding and merchant cash advances are approved on deposits, consider credit from 500 and can fund the next business day, but they cost more and have shorter terms, so they fit the faster-payback parts of an expansion, such as initial inventory or hiring ahead of opening.
Outside equity, from a partner or investor, adds capital without payments but gives up a share of future profits and some control. It suits expansions with uncertain or long payback where debt payments would be risky.
A practical approach is to layer: use an SBA or bank loan for the long-lived core of the expansion, equipment financing for machinery, and faster capital only for short gaps. Compare all options on total cost and on whether combined payments fit the existing business slowest month. MFE can provide the fast layer while longer financing is arranged.
Here is the fast-capital layer of a layered expansion plan. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.38) | $69,000 |
| Term | ~48 weeks |
| Payment per week | $1,438 |
| Monthly payment the project must cover | $6,224 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Retained profits | No cost, slow, keeps control |
| SBA 7(a) / 504 | Low cost, long term, slow |
| Equipment financing | Asset-backed, efficient |
| Revenue-based funding | Fast, higher cost, short term |
| Outside equity | No payments, shares control |
Good fit:
Probably not yet:
Often a layered mix: long-term loans for the core, equipment financing for assets, fast capital for short gaps.
Yes, for long-lived costs if you qualify and can wait.
When payback is long or uncertain and debt payments would be risky.
For short-payback pieces such as inventory or pre-opening hiring.
On total cost and whether combined payments fit the existing business slowest month.
Keep a reserve; spending everything leaves no cushion.
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