Funders work with sole proprietors, LLCs and corporations; what matters more is a business bank account in the business name and steady deposits.
Check my optionsStarting out
Your legal structure, whether sole proprietorship, LLC, partnership or corporation, affects who signs, which documents funders ask for, how personal liability works and which programs you can use. It rarely decides approval on its own.
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.
You can apply at 500; stronger credit opens more products.
A person reviews your revenue, time in business and bank activity, often within hours.
Net cash, total payback and payment shown before you sign.
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.
Sole proprietors can absolutely get financing. Funders look at business deposits and the owner, and because the business and owner are legally the same, documents are simple: personal tax return with Schedule C, business bank statements and ID. The trade-off is liability: business debts are personal debts. Keeping a dedicated business account matters even more, because it is the only way to show business revenue clearly.
LLCs and corporations create a separate legal entity. That allows business credit to develop under the EIN and can limit personal liability, though most small-business funders still ask owners for a personal guarantee. Funders will want formation documents or state records, the EIN, and to know every owner above a certain percentage, often 20% or 25%, who may be asked to sign.
Partnerships and multi-member LLCs add a coordination step: ownership percentages must match across the application, operating agreement and state records, and each significant owner may need to provide ID and credit consent. Mismatches here are a common reason applications pause.
Structure affects some programs directly. Certain grants, certifications and government contracts require an entity. Banks may prefer an established entity with business tax returns. Revenue-based funders, including those reached through MFE, work with sole proprietors, LLCs and corporations alike, considering credit from 500.
Here is an offer that a sole proprietor or an LLC with the same deposits could receive. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.25) | $62,500 |
| Term | ~48 weeks |
| Payment per week | $1,302 |
| Monthly payment the project must cover | $5,638 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Sole proprietorship | ID, Schedule C, business statements |
| Single-member LLC | Formation docs, EIN, statements |
| Multi-member LLC | Operating agreement, all owners above threshold |
| Partnership | Partnership agreement, partner IDs |
| Corporation | Articles, EIN, officer and owner info |
Good fit:
Probably not yet:
Yes. Sole proprietors with business deposits qualify for revenue-based funding.
Not by itself; deposits and credit matter more. It helps build business credit over time.
Usually yes for small-business funding.
Typically each owner above a set percentage, often 20% or 25%.
Not required. Changing structure right before applying can create document mismatches.
It can affect how payments and costs are reported; ask a tax professional.
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