Yes. Most revenue-based funding needs no cosigner; the owner usually signs a personal guarantee, and approval rests on business deposits.
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Most small-business funding does not require a cosigner. What it usually requires is a personal guarantee from the owner, which is different from asking a relative or partner to sign for you.
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.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
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.
A cosigner or third-party guarantor is someone outside the business who agrees to repay if you cannot. Banks sometimes ask for one when the owner credit or collateral is weak. Revenue-based funders and merchant cash advance providers rarely do, because they underwrite primarily on the business bank account and the owner who controls it.
What you will often see instead is a personal guarantee or a performance guarantee from the owner. In a merchant cash advance, the owner typically guarantees that the business will not divert receivables, close without notice or misrepresent its sales, rather than guaranteeing the payback if sales simply fall. Read that section closely, because guarantees differ between agreements.
To qualify without outside help, focus on the business file: steady deposits, few negative days, existing debts disclosed and a credit score from 500, with better credit earning better offers. If multiple owners hold the business, funders may ask each owner above a certain percentage to sign, but that is ownership, not cosigning.
If a lender insists on a cosigner, ask why and whether a smaller amount, a shorter term or a different product would remove the requirement. Often a revenue-based option through a marketplace like MFE fits without involving anyone else.
Some owners ask whether they can limit a guarantee rather than avoid it. In some cases, funders accept a guarantee limited to performance obligations or to a specific amount, especially for established businesses with strong deposits. It never hurts to ask, and the answer should be in writing.
An owner-only, revenue-based offer might look like this. Illustrative numbers.
| 500–549 | Revenue-based funding; strongest deposits needed |
| 550–599 | Revenue-based funding and renewals |
| 600–649 | More funders compete; better terms |
| 650+ | Lines of credit and term loans open up |
Minimum to apply is 500. Deposits, balances and time in business still carry the most weight.
| Cosigner | Outside person promises to repay |
| Personal guarantee | Owner backs the obligation |
| Performance guarantee | Owner promises not to divert sales |
| Collateral | Specific asset secures the debt |
| Majority owner signature | Each significant owner signs |
Good fit:
Probably not yet:
Rarely. They typically rely on the business deposits and an owner guarantee.
Both promise repayment; a cosigner is usually an outside party, while a personal guarantee comes from the owner.
It is uncommon for small businesses; larger, established companies sometimes negotiate it.
Funders often ask owners above a set ownership percentage to sign.
Yes, sole proprietors with business deposits can qualify on their own.
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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