Start from the need: amount, timing, how long until it pays back. Then compare products and offers on total payback and payment fit.
Check my optionsFinancing options
Choosing financing is easier as a sequence of four filters: what the money is for, how soon you need it, what you qualify for today and what the total cost is in dollars. Each filter narrows the list until one or two options remain.
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.
A human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
Advances, lines of credit and second-position options in one place.
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.
Filter one is purpose. Write the use in one sentence and estimate how long it takes to pay back. Long-payback uses, such as property, build-outs and major equipment, point to term loans, SBA loans and equipment financing. Recurring needs point to lines of credit. Short, high-return needs point to short-term capital such as a merchant cash advance.
Filter two is time. If the need is weeks away, slower and cheaper options remain on the table. If it is days away, only fast products fit: revenue-based funding, some online lines and certain equipment programs. Be honest about the deadline; owners often discover the cost of waiting only after a supplier discount or contract has passed.
Filter three is qualification. Banks typically want strong credit, two or more years in business and full financials. Online lenders want moderate credit and around a year. Revenue-based funders focus on several months of deposits and consider credit from 500. Remove options you will not realistically qualify for, rather than spending hard inquiries and weeks on them.
Filter four is cost. For what remains, compare net cash received, total payback, payment amount and frequency, term and early-payoff terms. Choose the lowest total cost whose payment fits your slowest month. A marketplace application through MFE can return multiple offers at once, which makes this last step quick.
Here is how one surviving option looks once reduced to dollars. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $160,000 |
| Fees deducted at funding (3%) | $3,750 |
| Net cash you receive | $121,250 |
| Weekly payment over 32 weeks | $5,000 |
| Same total as daily debits (~160 business days) | $1,000/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| 1. Purpose | Long payback, recurring or short need |
| 2. Time | Weeks vs. days |
| 3. Qualification | Credit, time in business, documents |
| 4. Cost | Net cash, total payback, payment |
| Result | Lowest cost that fits slowest month |
Good fit:
Probably not yet:
Define the purpose and how long it takes to pay back.
It removes slow options when the need is days away and can save money when it is weeks away.
Usually not; it costs time and hard inquiries.
By net cash, total payback, payment size and frequency, term and early payoff.
The cheapest option whose payment fits your slowest month is best.
A marketplace like MFE can return multiple offers from one application.
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