Revenue-based funding: mostly a few months of bank statements, an ID and steady deposits. Fewer requirements usually means higher cost, so compare total payback.
Check my optionsRequirements
The products with the lightest paperwork are revenue-based: a short application, a few months of bank statements and an ID. Fewer requirements usually mean higher cost and shorter terms, so it pays to know the trade before you sign.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
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.
Requirements exist to answer one question: will this business repay? Banks answer it with tax returns, financial statements, collateral and strong credit, which is why their lists are long. Revenue-based funders answer it mainly by reading your recent bank deposits, so their list is short. A merchant cash advance application can often be completed in minutes, with credit considered from 500 and decisions frequently made the same day.
The trade-off is price and structure. Because the funder relies on less information and accepts more risk, the factor rate is higher than a bank interest rate and the term is shorter, often several months to about a year and a half. Payments are frequently daily or weekly. Those features are fine for short, high-return needs and costly for long-term projects, so a light application is not automatically the right application.
Few requirements does not mean no requirements. Expect to show an active business bank account with steady deposits, a government ID, basic ownership details and a list of any current advances or loans. Some funders also verify the business by phone or by checking state records. Businesses with frequent negative days or very low deposits can be declined even with a short application, because the deposits are the requirement.
If the paperwork for a bank is the only obstacle, it can be worth the effort for a large, long-term need. If speed or credit is the obstacle, the low-documentation route through a marketplace like MFE lets you see real offers with one short file and compare them before committing.
Here is what a low-documentation offer could look like in dollars. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Merchant cash advance | Application, statements, ID |
| Revenue-based financing | Similar, sometimes more months |
| Online line of credit | Statements plus stronger credit |
| Equipment financing | Quote plus statements or returns |
| Bank or SBA loan | Returns, financials, plans, collateral |
Good fit:
Probably not yet:
Revenue-based options such as merchant cash advances usually have the shortest requirement list, centered on bank deposits.
Often not for smaller amounts; larger requests may require them.
Yes, when the terms are in writing, there are no upfront fees and the funder is identifiable and reachable.
The funder takes on more risk with less information and recovers it through pricing.
Yes, building history with on-time payments can qualify you for lower-cost products.
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