Total payback, net funding after fees, payment amount and frequency, early-payoff terms, reconciliation rights, personal guarantee and default terms.
Check my optionsCost and offers
Once signed, a financing contract governs every payment, adjustment and dispute. Reading a handful of key sections before signing prevents most unpleasant surprises, whether the agreement is a loan, a line of credit or a merchant cash advance.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
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.
Confirm the economics. Find the amount funded, any fees deducted, the net amount you will receive, the total repayment or purchased amount, the payment amount and frequency, and the estimated term. These should match the offer you accepted. Several states require standardized commercial financing disclosures that summarize these figures; ask for one where it applies.
Read how payments can change. For merchant cash advances, look for the reconciliation clause, how to request it and what documents are needed. For loans, check whether the rate is fixed or variable and whether payments can change. Ask what happens if a payment is returned and what fees apply.
Understand prepayment and renewal. Does paying early reduce the total? Some agreements provide discounts at 30, 60 or 90 days, while others fix the total regardless. How are renewals handled, and is the existing balance paid from new funds? Are there restrictions on taking other financing during the term, sometimes called anti-stacking provisions?
Review guarantees, collateral and default. Identify any personal or performance guarantee and what it covers, any UCC filing and its scope, what counts as default, and what remedies the funder has, including whether a confession of judgment clause is included where legally allowed.
Check dispute terms: governing law, venue and whether disputes go to arbitration. These determine where and how any disagreement would be resolved.
Take the time you need. A legitimate funder, including those reached through MFE, will answer questions in writing before you sign. Pressure to sign immediately is a warning sign.
Check the personal information sections too. Some agreements authorize ongoing credit checks, bank account access for verification or sharing of information with affiliates. Understand what you are authorizing and for how long.
If anything in the contract differs from the offer you discussed, stop and ask for clarification before signing. Changes between offer and contract are a common source of disputes.
Here is an offer whose figures should match the contract you sign. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $128,000 |
| Fees deducted at funding (4%) | $4,000 |
| Net cash you receive | $96,000 |
| Weekly payment over 44 weeks | $2,909 |
| Same total as daily debits (~220 business days) | $582/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Economics | Amount, fees, net, total, payment, term |
| Payment changes | Reconciliation, variable rates, returned payments |
| Prepayment and renewal | Discounts, renewal payoffs, anti-stacking |
| Guarantees and default | Scope, UCC, remedies, confession of judgment |
| Disputes | Governing law, venue, arbitration |
Good fit:
Probably not yet:
Economics, payment changes, prepayment, renewal, guarantees, default and dispute terms.
A clause allowing MCA remittances to adjust to actual receivables.
A restriction on taking other financing during the term.
A clause allowing a judgment without a lawsuit; some states restrict it.
Several require standardized commercial financing disclosures.
Yes, legitimate funders allow time to read.
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