Higher rates and slower sales tighten bank lending; revenue-based funders keep lending to businesses whose deposits stay steady.
Check my optionsFinancial management
Interest rates, inflation, unemployment and industry conditions all affect how much funding is available, what it costs and how carefully funders underwrite. Understanding the link helps you time applications and choose products.
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.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
Your file goes to funders that fit it, so offers can be compared.
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.
When the Federal Reserve raises its benchmark rate, bank loan and line-of-credit rates usually rise with it, since many are priced off the prime rate. Banks also tend to tighten standards when they expect slower growth, which the Fed tracks in its Senior Loan Officer Opinion Survey. Small businesses feel this as more declines, smaller approved amounts and requests for more collateral.
Revenue-based funding responds differently. Its factor rates are less directly tied to the prime rate, but funders adjust their criteria when they see rising defaults in certain industries or regions. A sector under pressure, such as restaurants during a demand slowdown or trucking during a freight recession, may see stricter terms or smaller offers even for individually healthy businesses.
Inflation affects the demand side. When costs for inventory, materials and wages rise, businesses need more working capital to operate at the same volume. An owner who needed $30,000 to stock a season two years ago may need noticeably more now. That shift makes it important to request an amount based on current costs, not past habits.
Practical responses: apply when your own statements are strong rather than waiting for the economy to improve; maintain a line of credit before you need it, since lines are hardest to obtain in tight conditions; and keep a cash reserve. MFE reaches multiple funders with one application and considers credit from 500, which helps when some funders tighten more than others.
Here is how a working capital offer might look when input costs have risen. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.20) | $120,000 |
| Term | ~32 weeks |
| Payment per week | $3,750 |
| Monthly payment the project must cover | $16,238 |
| 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.
| Higher benchmark rates | Costlier bank loans and lines |
| Tighter bank standards | More declines, more collateral |
| Industry slowdowns | Stricter terms in that sector |
| Inflation | Larger working capital needs |
| Strong economy | More options and better terms |
Good fit:
Probably not yet:
Yes, many bank loans and lines are priced off the prime rate, which follows the Fed.
Less directly, but funders adjust criteria when defaults rise in an industry.
Often, because inventory, materials and wages cost more for the same volume.
Before you need it, while your statements are strong.
Historically, many do, according to the Fed loan officer survey.
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