Some funders consider about three months with strong deposits; most revenue-based offers improve noticeably after six months. Apply with complete statements and we match the file to funders that fit.
Check my optionsRequirements
Some revenue-based funders consider businesses with roughly three months of history when deposits are strong and consistent. Offers at that stage tend to be smaller, and options widen noticeably after six months.
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.
Net cash, total payback and payment shown before you sign.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
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.
What funders look at with a short history: the size and consistency of monthly deposits across the three months, the number of deposits, daily balances and whether the account ever goes negative. A new business depositing steady revenue every week is a stronger file than one with a single large deposit and little else.
Prior history can help. If you bought an existing business, converted a sole proprietorship into an LLC, or moved from another location, the earlier statements may show a longer track record. Provide them with an explanation so the funder sees the full history rather than just the months under the new name or account.
Expect a smaller first offer. Funders manage risk on new businesses by limiting the amount and sometimes the term. Paying that first round on time, with steady balances, is the fastest way to qualify for larger amounts and better terms on renewal.
Alternatives to compare. Equipment financing may be available because the equipment secures the deal. SBA microloans through nonprofit intermediaries and CDFIs serve new businesses with modest needs. Vendor credit and secured business cards can fill small gaps.
Prepare a clean file: business bank statements for all three months plus month-to-date, owner ID, entity documents and EIN, and a short note on the use of funds. MFE considers credit from 500 and matches the file to funders that review newer businesses.
If deposits are still building, waiting until you have six months of consistent statements often produces noticeably better offers.
Here is a modest first offer for a business with about three months of deposits. 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.
| Consistent weekly deposits | Most important factor |
| Prior history | Provide if business was acquired or converted |
| First offer size | Typically smaller |
| Alternatives | Equipment financing, microloans, CDFIs |
| Six months | Options widen noticeably |
Good fit:
Probably not yet:
Some funders consider about three months with strong, consistent deposits.
Usually, until more history builds.
It can, if you acquired or converted the business; provide the records.
Equipment financing, SBA microloans, CDFIs and vendor credit.
Often noticeably after six months of consistent deposits.
Options begin at 500.
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