Treat premiums as fixed costs and make sure funding payments still fit your slowest month after benefits.
Check my optionsRunning the business
When a business carries both a benefits program and a funding payment, both are fixed monthly obligations that come out of the same cash flow. Budgeting them together prevents a renewal increase or a slow month from squeezing payroll.
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.
Your file goes to funders that fit it, so offers can be compared.
A human reads the file, not just an algorithm score.
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.
List all fixed obligations together. Add your monthly employer share of health premiums, other benefits, rent, insurance, software and every funding payment converted to a monthly figure. A daily funding debit of $250 is roughly $5,250 a month across 21 business days. Seeing the total helps you judge how much of your gross profit is already committed.
Plan for renewals. Health plans typically renew annually, and premium increases can be significant in some years. Mark the renewal month on your cash calendar and budget a cushion for an increase. If a funding term overlaps the renewal, check that both still fit after a plausible increase.
Use contribution design to manage cost. Employers can choose what share of premiums to cover, offer different plan tiers or use reimbursement arrangements such as an ICHRA or QSEHRA with a fixed monthly allowance. A fixed allowance makes the benefit cost predictable, which simplifies budgeting alongside a fixed funding payment.
Size new funding with benefits included. Before accepting an offer, test the payment against your slowest month after payroll, benefits, rent and existing obligations. If it only fits by cutting benefits that help retention, a smaller amount, longer term or weekly schedule may be wiser.
MFE considers credit from 500 and offers can be sized so the payment fits after benefits and other fixed costs.
Employee contributions also affect the budget. Many small employers split premiums, paying a fixed share for employees and a smaller share for dependents. Communicating the split clearly at hiring avoids surprises and lets the business plan costs accurately as headcount grows.
Here is a funding payment budgeted alongside benefits and other fixed costs. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.28) | $32,000 |
| Term | ~32 weeks |
| Payment per week | $1,000 |
| Monthly payment the project must cover | $4,330 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Employer share of premiums | Monthly, renews annually |
| Other benefits | Retirement, dental, etc. |
| Rent and insurance | Monthly |
| Funding payments | Converted to monthly |
| Renewal cushion | Budget for premium increases |
Good fit:
Probably not yet:
List all fixed obligations monthly and test against your slowest month.
Multiply by about 21 business days.
They often change at renewal; budget a cushion.
A fixed allowance through an ICHRA or QSEHRA can help.
Consider a smaller amount or longer term first, since benefits support retention.
Revenue-based options begin at 500.
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