Payroll, inventory, rent, equipment, repairs, marketing, taxes, expansion and refinancing other debt — any legitimate business use allowed by the agreement.
Check my optionsCash flow
Business financing can cover almost any legitimate business expense, but each product has a natural fit. Matching the expense to the right product keeps payments aligned with how and when the expense pays back.
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.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
You can apply at 500; stronger credit opens more products.
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.
Working capital needs, such as payroll, rent during a slow stretch, utilities, supplier payments and day-to-day operating costs, fit revenue-based funding, merchant cash advances and lines of credit. Revenue-based options are approved on deposits, consider credit from 500 and can fund the next business day. These are best when the gap is temporary and revenue to repay is visible.
Inventory and materials fit lines of credit, inventory financing or revenue-based funding timed before a season or contract. Equipment, vehicles and machinery fit equipment financing or leasing, with the asset as collateral and a term matched to its useful life.
Real estate, build-outs and major renovations fit SBA 504 or 7(a) loans, bank term loans or commercial mortgages because their payback runs for years. Business acquisitions also typically use SBA or bank financing.
Marketing, hiring and technology can be funded when there is measurable payback: a tested ad channel, a hire who captures turned-away demand, software that saves documented hours. Debt consolidation or restructuring of existing advances, through a buyout of up to $100K or a structured second position, is another use.
Some uses are restricted or unwise. Funders generally require funds to be used for business purposes, and some agreements specify permitted uses. Personal expenses, speculative investments and ongoing losses with no clear end are poor uses of business financing.
When you apply through MFE, describe the intended use clearly; it helps funders choose the right product and size.
Here is working capital sized for a temporary operating gap. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.35) | $33,750 |
| Term | ~40 weeks |
| Payment per week | $844 |
| Monthly payment the project must cover | $3,653 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Payroll, rent, operating costs | Revenue-based funding or line of credit |
| Inventory and materials | Line, inventory financing or advance |
| Equipment and vehicles | Equipment financing or lease |
| Real estate and build-outs | SBA or bank loan |
| Existing advance pressure | Buyout or structured second position |
Good fit:
Probably not yet:
Most legitimate business expenses: operations, inventory, equipment, real estate, marketing, hiring and restructuring.
Yes, for temporary gaps with visible revenue to repay.
No, funds are generally required to be used for business purposes.
Equipment financing or leasing, matched to the asset life.
A buyout of up to $100K or a structured second position may help.
Yes, it helps funders choose the right product and amount.
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