Apply with online funders or a marketplace, which review bank statements instead of collateral. Decisions often come the same day.
Check my optionsFinancing options
Banks are one source among many. Online lenders, revenue-based funders, factoring companies, equipment lenders, CDFIs and marketplaces all fund small businesses, often faster and with more flexible criteria.
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.
Approved files are usually funded the next business day.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
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.
Non-bank funding grew because many small businesses fall outside bank criteria: too new, too small, credit too thin or revenue too seasonal. Non-bank providers fill those gaps with products designed around specific situations. Revenue-based funders and merchant cash advance providers size offers on deposits. Factoring companies buy invoices. Equipment lenders finance the asset. CDFIs and SBA microloan intermediaries lend with a community mission.
Each channel has a different speed and cost profile. Revenue-based funding can decide the same day and fund the next business day, at a higher cost and with frequent payments. CDFIs are lower cost but can take weeks and often require more documentation and counseling. Online lenders sit between them for borrowers with moderate to strong credit.
The risk outside banks is variability. Terms, fees and practices differ more among non-bank providers, and some states have only recently added disclosure rules for commercial financing. Read each agreement for total payback, payment frequency, reconciliation rights if sales drop, renewal terms and default triggers. Avoid any provider that charges upfront fees before funding.
A marketplace simplifies the search. With MFE, one application reaches multiple funders, credit from 500 is considered and offers can be compared side by side, including options for businesses that already have an advance.
Non-bank providers also differ in how they communicate. Some assign a single representative who stays with you through funding and renewal; others operate mostly online. Owners who value a person to call when sales slow should ask about this before signing, since early communication is what makes reconciliation work.
Credit unions sit between banks and non-bank funders. Many offer small business loans with community-focused criteria and may be more flexible than large banks for members with steady deposits. They are worth checking for planned needs.
Here is an example of a non-bank offer, shown in plain dollars. Illustrative numbers.
| Amount funded | $150,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $180,000 |
| Fees deducted at funding (2%) | $3,000 |
| Net cash you receive | $147,000 |
| Weekly payment over 40 weeks | $4,500 |
| Same total as daily debits (~200 business days) | $900/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Revenue-based funder | Fastest, deposits-based |
| Online lender | Moderate speed, credit matters |
| Factoring company | Cash from invoices |
| Equipment lender | Asset-backed |
| CDFI / microlender | Lower cost, slower, mission-driven |
Good fit:
Probably not yet:
It can be, when terms are written, costs are disclosed and there are no upfront fees.
Usually, especially for faster products. CDFIs can be an exception.
Often yes with revenue-based funding, once documents are complete.
Some do and some do not; ask each provider.
A platform where one application reaches multiple funders so you can compare offers.
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