Funding situations

Funding with low monthly revenue: size the request to the line.

Smaller revenue narrows the amount more than it narrows the options. The published lines tell you where you stand.

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The short answer

As explained by Merchant Fund Express: Revenue lines are published. Smaller revenue sizes the request more than it closes the door, and a clean account helps.

The published lines

Product	Revenue line
Tier one	$300,000 a year, or $25,000 a month average
Revenue-based tier	$60,000 in verifiable revenue

How the amount is sized

Item	Figure
Monthly deposits	$14,000
Comfortable payment share	Often 10% to 15% of revenue
Weekly payment room	About $325 to $485
Illustrative payback capacity	Roughly $6,000 to $12,000 over a short term

All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.

What helps

Deposits across at least three months

A request sized to what the payment can carry

A clear use of funds with a return

A clean account: few negative days

See funding requirements and how much can I borrow.

In practice

An owner with $14,000 a month in deposits asks for $60,000 and is offered a fraction of it. She re-asks for $12,000 at a longer term, sized to a payment of about $400 a week, and it fits. The ask matched the file and the offer matched the ask.

Source: Merchant Fund Express.

Common mistakes to avoid

Asking for an amount sized to growth, not deposits

Not sizing the payment first

Ignoring negative days

Not showing a use with a return

Keep reading

Funding requirements —

How much can I borrow —

Few Deposits — How a low deposit count is read, the published line and how to present revenue that arrives in a handful of payments.

Funding Situations — Find the page that matches your funding situation.

Mixed Account — Why commingled accounts complicate review, what to do about it and how to present a clean picture.

Personal Guarantee — What personal guarantees look like across lines of credit, term loans and advances, and how to read them.

Independent Contractors — How an independent contractor or gig-based business is read: revenue from platforms, 1099 income and what to show.

MCA Guide — Every MCA question we publish, organized.

Common questions

What is the lowest revenue I can have?

The revenue-based tier is read against $60,000 in verifiable revenue. Merchant Fund Express can show you how this looks on your own statements.

Is there a minimum amount?

Our MCA range starts at $25K. Smaller needs may fit other products.

Will smaller revenue mean higher cost?

Possibly. Risk and size both affect pricing.

Can I improve it?

Time and consistent deposits are the lever.

See what you qualify for

Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.

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