Most revenue-based funders need only bank statements; larger or bank-style loans add a profit and loss statement, balance sheet and tax returns.
Check my optionsFinancial management
Funders use four kinds of financial documents: bank statements, the profit-and-loss statement, the balance sheet and tax returns. Which ones you need depends on the product and the amount.
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.
Existing balances of $100,000 or less can be bought out.
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.
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.
Bank statements are the universal document. Every funder, from banks to merchant cash advance providers, wants to see recent business bank activity. For revenue-based funding, three to six months of complete statements are often the main financial document, with credit from 500 considered. Download them as full PDFs directly from the bank.
The profit-and-loss statement (P&L), or income statement, shows revenue, costs and profit over a period. Banks and SBA lenders typically want year-end P&Ls for two years plus a year-to-date version. Revenue-based funders may ask for one on larger requests. A P&L prepared by bookkeeping software is usually fine for smaller loans; larger bank loans may require accountant-reviewed statements.
The balance sheet lists what the business owns (cash, receivables, inventory, equipment) and owes (payables, loans, advances) at a point in time, plus owner equity. Lenders use it to check leverage and liquidity. Pair it with a debt schedule that lists every loan and advance with balances and payments.
Business tax returns are the verified version of your numbers, and banks and SBA lenders rely on them heavily, usually two years. Differences between your P&L and tax returns raise questions, so keep them consistent.
If you only have bank statements today, revenue-based options through MFE can still review you. Building the other statements over the next year opens the door to bank and SBA products later.
With complete bank statements alone, an offer like this can be sized. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.45) | $72,500 |
| Term | ~48 weeks |
| Payment per week | $1,510 |
| Monthly payment the project must cover | $6,540 |
| Your estimate of added monthly profit | $15,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Bank statements (3-6 months) | All funders |
| Profit and loss (YTD + 2 years) | Banks, SBA, larger requests |
| Balance sheet | Banks, SBA |
| Debt schedule | Most funders |
| Business tax returns (2 years) | Banks, SBA |
Good fit:
Probably not yet:
Usually just recent business bank statements; larger amounts may need a P&L.
A report of revenue, costs and profit over a period.
A snapshot of assets, liabilities and equity at a point in time.
For smaller loans, software reports are usually fine; larger bank loans may require accountant review.
Differences raise questions about which numbers are accurate.
Revenue-based options begin at 500.
Usually not for small loans; larger bank loans may require reviewed or audited statements.
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