Business financing is money borrowed or advanced for business use. Lump sums suit one-time projects, lines of credit suit recurring gaps, and equipment financing suits assets.
Check my optionsFinancing options
Business financing is any money a company raises to operate or grow, from bank loans to revenue-based advances. The type you need depends on the purpose, how fast you need it and what you can qualify for today.
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 person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
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.
Most small-business financing falls into a few families. Debt products, such as term loans, SBA loans and lines of credit, lend money that is repaid with interest. Asset-based products, such as equipment financing and invoice factoring, use a specific asset or receivable to secure or generate the funds. Revenue-based products, including merchant cash advances, provide cash in exchange for a share of future sales and are sized on bank deposits.
Choose by working backward from the use. A long-term investment deserves a long-term product with lower payments; a temporary gap or a quick opportunity can justify a faster, shorter product even though it costs more. Your profile then narrows the list: banks want strong credit, two or more years in business and full financials, while revenue-based funders can consider credit from 500 and a few months of statements.
Compare offers on the same numbers: net cash received, total payback, payment amount and frequency, term and any early-payoff savings. A marketplace like MFE sends one application to multiple funders so you can see which families you qualify for, with same-day decisions and next-day funding possible on revenue-based products.
A simple way to start is to write two numbers before looking at any product: the amount you need and the number of months it will take for that money to come back to the business. Those two numbers alone eliminate most products that do not fit and make conversations with funders shorter and clearer.
Here is how one revenue-based offer breaks down. Illustrative numbers.
| Amount funded | $75,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $97,500 |
| Fees deducted at funding (4%) | $3,000 |
| Net cash you receive | $72,000 |
| Weekly payment over 26 weeks | $3,750 |
| Same total as daily debits (~130 business days) | $750/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Term loan / SBA | Long-term investments, strong profiles |
| Line of credit | Recurring needs, draw as needed |
| Equipment financing | Machinery and vehicles |
| Invoice factoring | Cash from unpaid invoices |
| Merchant cash advance | Fast capital from future sales |
Good fit:
Probably not yet:
Lines of credit, term loans and merchant cash advances are among the most used, depending on profile and need.
Revenue-based products such as merchant cash advances, often decided the same day.
Bank and SBA loans for borrowers who qualify; they take longer and require more documents.
Not always. Revenue-based products are typically unsecured by specific assets; equipment loans use the equipment.
Yes, many businesses use a line of credit plus equipment financing, or an advance for a short need.
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