Revenue is total sales; profit is what is left after costs. Revenue-based funders size offers mainly on revenue deposited, then check the account can carry payments.
Check my optionsFinancial management
Revenue is everything the business brings in from sales; profit is what remains after costs. Different funders weight them differently, and knowing which one a funder reads explains why the same business can get very different answers.
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.
Your file goes to funders that fit it, so offers can be compared.
You can apply at 500; stronger credit opens more products.
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.
Revenue, also called sales or the top line, is the total amount customers pay you. Gross profit subtracts the direct cost of what you sold, such as materials or inventory. Net profit subtracts everything else too: rent, payroll, utilities, interest, taxes. A business with $1 million in revenue might have $350,000 in gross profit and $60,000 in net profit, or a net loss.
Revenue-based funders and merchant cash advance providers focus mainly on revenue as it appears in bank deposits, plus balances and existing payments. They size offers as a fraction of monthly deposits. They do not usually ask for a profit-and-loss statement on smaller amounts, which is why a business with thin reported profit but strong, steady deposits can qualify, with credit from 500 considered.
Banks and SBA lenders look hard at profit, specifically whether net operating income comfortably covers all debt payments. They often calculate a debt service coverage ratio, wanting operating income to exceed debt payments by a margin such as 1.25 times. A business with strong revenue but little profit after the owner pays themselves may be declined by a bank even if a revenue-based funder approves it.
Owners should watch both. Revenue growth without profit can mean underpricing or rising costs; profit without cash can mean slow collections. For funding, the cleanest approach is to keep deposits complete and consistent for revenue-based options and keep financial statements current for bank options. MFE can show which you qualify for with one application.
Here is how a revenue-based funder might size an offer from deposits. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.30) | $130,000 |
| Term | ~36 weeks |
| Payment per week | $3,611 |
| Monthly payment the project must cover | $15,636 |
| Your estimate of added monthly profit | $15,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Revenue (deposits) | Main input for revenue-based funders |
| Gross profit | Shows pricing health |
| Net profit | Main input for banks |
| Debt service coverage | Bank test of repayment ability |
| Cash balances | Both check them |
Good fit:
Probably not yet:
Revenue is total sales; profit is what remains after costs.
Mainly they look at revenue in bank deposits, balances and existing payments.
A ratio comparing operating income with debt payments, used by banks.
For revenue-based funding, often yes; banks may decline.
Both: revenue shows demand, profit shows sustainability.
Options begin at 500.
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