A budget that shows the new payment fits inside your slowest month, with a reserve, answers the funder's main question.
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A budget helps you get financing when it shows three things clearly: that revenue is real and predictable, that the new payment fits, and exactly how the funds will be used and repaid.
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.
You can apply at 500; stronger credit opens more products.
A person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
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.
Funders do not usually ask small businesses for a budget on smaller revenue-based requests; they read bank statements. But a budget shapes those statements. Owners who budget tend to keep reserves, avoid negative days and time big purchases for strong weeks, and that discipline shows up as cleaner statements and larger offers. For bank and SBA loans, a budget or projection is often requested directly.
Make the budget funding-ready by adding three lines. First, the proposed payment as a fixed cost, converted to a monthly figure if it is daily or weekly. Second, the expected benefit of the funded activity, such as added gross profit or saved costs, starting in the month you realistically expect it. Third, a monthly cash balance that shows the account staying above your reserve level even in the slowest month.
Write a short use-of-funds summary from the budget: the amount, what it buys, when the benefit begins and how the payment is covered. For example: $35,000 to purchase inventory for the fall season, expected to sell over ten weeks at a 42% gross margin, producing enough added profit to cover the weekly payment with room to spare. That paragraph is persuasive to underwriters and keeps the request sized correctly.
If the budget shows the payment does not fit in some months, change the request before applying: a smaller amount, a longer term or a weekly rather than daily schedule. MFE considers credit from 500 and offers can be matched to the amount your budget supports.
Here is an offer whose payment would be added to a funding-ready budget. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.20) | $60,000 |
| Term | ~52 weeks |
| Payment per week | $1,154 |
| Monthly payment the project must cover | $4,996 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Proposed payment line | Converted to monthly |
| Benefit line | Added profit or savings, realistic start |
| Monthly cash balance | Stays above reserve in slow months |
| Use-of-funds summary | Amount, purpose, payback |
| Adjustment | Resize before applying if it does not fit |
Good fit:
Probably not yet:
Banks and SBA lenders often do; revenue-based funders mainly read statements, which a budget improves.
A short explanation of the amount, what it buys and how it is repaid.
Add it as a fixed cost and show a positive cash balance even in slow months.
Reduce the amount, extend the term or choose a weekly schedule.
Yes, it helps avoid negative days and keep reserves.
Yes, starting in the month it realistically begins.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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