Keep business and personal money separate, reconcile monthly, keep three to six months of clean statements, and know your average monthly deposits. Clean books shorten review.
Check my optionsFinancial management
Funders do not grade your accounting software, but good bookkeeping shows up everywhere they look: clean deposits, no surprise overdrafts and quick answers when they ask a question.
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.
Advances, lines of credit and second-position options in one place.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
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.
The single most useful habit is keeping business and personal money fully separate. When every sale lands in the business account and personal spending stays out, statements tell a clear story and underwriters do not have to guess which deposits are real revenue.
Reconcile weekly, not at tax time. A weekly look at the account catches automatic debits, returned payments and low-balance days before they become negative days on a statement. Label transfers between your own accounts so they are not mistaken for revenue, and keep a simple list of every loan or advance with its payment amount and frequency.
Monthly, produce a basic profit-and-loss report and keep receipts organized. Revenue-based funders rarely ask for it, but banks, SBA lenders and larger requests do, and having it ready turns a weeks-long document chase into a same-week application.
A simple monthly close routine keeps records funding-ready: reconcile every account, review uncategorized transactions, check that loan and advance payments are recorded correctly and save the bank statement PDFs in one folder. Thirty minutes a month prevents days of catch-up when an application is due.
Bookkeeping also helps you answer underwriter questions quickly. When a funder asks about a large deposit or withdrawal, owners with clean books can explain it in minutes with a receipt or invoice, which keeps the file moving.
Clean books make offers easier to size. Here is a typical offer for a business with tidy statements. Illustrative.
| Funding for the project | $75,000 |
| Total payback (factor 1.20) | $90,000 |
| Term | ~26 weeks |
| Payment per week | $3,462 |
| Monthly payment the project must cover | $14,988 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Separate business account | Clear deposit history |
| Weekly reconciliation | Fewer negative days |
| Labeled transfers | Revenue is not overstated or doubted |
| Debt schedule | Fast, accurate disclosure |
| Monthly P&L | Ready for banks and larger requests |
Good fit:
Probably not yet:
Revenue-based funders mostly read bank statements. Banks and SBA lenders often want P&L and balance sheet reports.
They blur revenue and spending, raise questions and can make balances look weaker than they are.
A day when the account balance closes below zero. Several in recent months can lower offers or stop an approval.
If your records are behind, a few months of professional bookkeeping can make the application faster and cleaner.
Weekly is ideal for cash-tight businesses; monthly at minimum.
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