Funders size offers from the cash moving through your account: average monthly deposits, daily balances and negative days. Better cash flow means larger, cheaper offers.
Check my optionsCash flow
Financing is approved on cash flow and repaid from cash flow. Understanding how money moves through your account each month tells you how much to request and which payment structure you can handle.
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.
Advances, lines of credit and second-position options in one place.
A human reads the file, not just an algorithm score.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Cash flow is the timing of money in and out, not just the totals. Two businesses with $60,000 in monthly revenue can look very different: one gets paid daily by card, the other gets three large checks a month. Funders read this pattern directly from bank statements, looking at average deposits, the number of deposits, daily balances and how often the account dips below zero.
The same pattern determines what payment fits. A business with daily card sales can usually handle a daily debit or a percentage-of-sales holdback. A business paid in a few large checks needs a weekly or monthly payment timed after those checks clear. Asking for a payment structure that matches your deposits is often as important as the amount or the cost.
Financing can also improve cash flow when used for the right purpose: buying inventory at a discount, covering payroll so a contract can be completed, or replacing a high daily payment with a lower weekly one through consolidation or a buyout. It worsens cash flow when it adds payments without adding revenue or savings. Before applying, write down how the funds will create the cash that repays them.
Here is how deposit volume translates into an offer size and payment. Illustrative numbers.
| Funding for the project | $40,000 |
| Total payback (factor 1.25) | $50,000 |
| Term | ~32 weeks |
| Payment per week | $1,562 |
| Monthly payment the project must cover | $6,766 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Daily card sales | Daily debit or % of sales |
| Weekly client payments | Weekly payment |
| A few large monthly checks | Monthly or weekly after checks clear |
| Seasonal swings | Flexible holdback or line of credit |
| Irregular project payments | Line of credit or factoring |
Good fit:
Probably not yet:
Payments are collected from your account on a schedule, so the cash must be there on those days.
Revenue-based offers are often a fraction of one month of deposits for a first round; strong history can raise that.
A day when your account closes below zero. Several can lower or stop an offer.
It can bridge timing gaps; it cannot fix a business that spends more than it earns.
Yes. Ask for daily, weekly or monthly payments based on when your money actually arrives.
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