Cash flow = cash in − cash out for the period. Operating cash flow ≈ net income + non-cash costs − increases in receivables and inventory.
Check my optionsCash flow
Cash flow is the net change in cash over a period: money in minus money out. Calculating it monthly, and splitting it into operating, investing and financing activity, shows whether the business itself generates cash or depends on borrowing.
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.
Approved files are usually funded the next business day.
Your file goes to funders that fit it, so offers can be compared.
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.
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.
The simplest version uses your bank statements. Take total deposits for the month, subtract total withdrawals and you have net cash flow for the month. Do this for six to twelve months and look at the pattern. This is close to how revenue-based funders first look at a business, alongside daily balances and negative days.
A more useful version splits the flows. Operating cash flow is cash from customers minus cash paid for operating costs such as inventory, wages, rent and taxes. Investing cash flow covers purchases and sales of equipment or property. Financing cash flow covers money borrowed, repaid, invested by owners or distributed to them. A healthy business usually shows positive operating cash flow; if the only reason cash is rising is new borrowing, that is a warning sign.
Accounting software can produce a statement of cash flows starting from net profit and adjusting for non-cash items like depreciation and for changes in receivables, inventory and payables. If receivables are growing faster than sales, cash is getting stuck with customers; if inventory is climbing, cash is sitting on shelves.
For funding decisions, compare your average monthly operating cash flow with the payment you are considering. A payment that would consume most of your operating cash flow leaves no room for a slow month. MFE considers credit from 500 and sizes offers on deposits, so clean, positive operating cash flow generally supports better terms.
Here is how an offer payment compares with monthly operating cash flow. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.35) | $101,250 |
| Term | ~36 weeks |
| Payment per week | $2,812 |
| Monthly payment the project must cover | $12,178 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Operating | Customers in, operating costs out |
| Investing | Equipment and property bought or sold |
| Financing | Borrowing, repayments, owner money |
| Net cash flow | Sum of all three |
| Warning sign | Cash rising only from borrowing |
Good fit:
Probably not yet:
Total deposits minus total withdrawals for the period, from your bank statements.
Cash from customers minus cash paid for running the business.
To see whether the business generates cash or relies on borrowing.
Receivables, inventory, depreciation and loan principal all create gaps.
Leave enough margin for your slowest month after essential costs.
Revenue-based funders effectively do, from deposits and balances.
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