The same products as any business, reviewed on deposits and time in business, plus community lenders and SBA partners. Spanish-language help makes the process easier.
Check my optionsOwner communities
Hispanic-owned businesses are among the fastest-growing in the country, yet many owners report more difficulty getting bank financing. Knowing which channels evaluate the business on its revenue helps close that gap.
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.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
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.
Research from groups such as the Stanford Latino Entrepreneurship Initiative has documented that Latino-owned businesses are less likely to receive full bank funding even with similar performance. Contributing factors include thinner credit files, cash-heavy revenue that never hits a bank account, and less access to lending relationships. Each of these can be addressed.
Start by making revenue visible. Depositing all sales, including cash, into a business account builds the statement history that revenue-based funders rely on. Many of those funders consider personal credit from 500 and can review an application in English or Spanish, which matters for owners who prefer to discuss terms in their first language.
Community resources help too. Community development financial institutions (CDFIs), SBA microloan intermediaries and Hispanic chambers of commerce offer lower-cost loans and technical assistance, often with flexible credit criteria. They usually take longer, so pairing them with faster working capital for immediate needs is common.
An ITIN can be enough to apply with some funders, and sole proprietors can qualify with business deposits. Through MFE, one application reaches multiple funders, with same-day decisions and next-day funding possible when documents are complete.
Cash-heavy businesses such as restaurants, salons and construction crews often have more revenue than their statements show. Moving to card and digital payments, and depositing all cash consistently, can raise the revenue funders see within a few months without any change in actual sales.
Bilingual documents also matter. If tax returns, contracts or invoices are in Spanish, a short summary in English can speed review with funders whose underwriters work in English. MFE handles applications in both languages.
A Hispanic-owned business with steady deposits might see an offer like this. Illustrative numbers.
| Amount funded | $75,000 |
| Factor rate | 1.30 |
| Total payback (amount × factor) | $97,500 |
| Fees deducted at funding (2%) | $1,500 |
| Net cash you receive | $73,500 |
| Weekly payment over 48 weeks | $2,031 |
| Same total as daily debits (~240 business days) | $406/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Revenue-based funders | Fast, deposits-based, credit from 500 |
| CDFIs | Lower cost, flexible, slower |
| SBA microloans | Up to $50,000 through intermediaries |
| Hispanic chambers | Networking and lender referrals |
| Bank loans | Lowest cost, strictest criteria |
Good fit:
Probably not yet:
Some grants and CDFI programs target Hispanic and minority owners; most commercial funding is open to all based on business performance.
Many funders and marketplaces, including MFE, support Spanish-speaking owners.
Some funders accept an ITIN; ask before applying.
Funders size offers on bank deposits; undeposited cash does not count.
Revenue-based options begin at 500, with better offers for stronger credit.
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