Houston businesses apply online, get a same-day decision on revenue-based funding and next-day funding once approved.
Check my optionsLocal funding
Houston businesses span energy services, petrochemical contractors, the port and logistics, healthcare and a huge restaurant and retail scene. Fast commercial cash here is approved on bank deposits, and the right structure depends on how your industry gets paid.
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.
Net cash, total payback and payment shown before you sign.
Approved files are usually funded the next business day.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
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.
Many Houston companies are paid on long cycles. Oilfield and industrial service contractors may wait 60 to 90 days on large operators; port and logistics businesses wait on shipping and broker payments; medical practices wait on insurance. Revenue-based funding reads the last few months of business statements to size an offer, which lets a company with real receivables but slow payers access cash quickly.
Houston weather also matters. Hurricane season and flooding can close businesses for days and create sudden repair costs. Owners who apply when statements are strong, before a storm or slow period, usually get better offers than those applying after a disruption. Some funders also consider recovery needs once operations resume.
The application is simple: one form, recent business statements, a government ID and basic company details. Through MFE, that file reaches multiple funders, with same-day decisions common and funding as soon as the next business day. Credit from 500 is considered, with better offers for stronger credit. Texas has commercial financing disclosure requirements for certain providers, so ask for the written cost summary.
If you already have an advance, a second-position offer or a buyout of up to $100K may help. For large receivables from creditworthy customers, invoice factoring is another option worth comparing.
Houston businesses serving the energy sector should also expect volatility tied to oil prices. Funders familiar with the region understand that activity can swing with the price cycle, so explaining your customer mix and contract terms helps them distinguish a cyclical dip from a structural decline.
A Houston business with steady deposits might see an offer like this. Illustrative numbers.
| Amount funded | $40,000 |
| Factor rate | 1.38 |
| Total payback (amount × factor) | $55,200 |
| Fees deducted at funding (2%) | $800 |
| Net cash you receive | $39,200 |
| Weekly payment over 48 weeks | $1,150 |
| Same total as daily debits (~240 business days) | $230/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Energy and industrial services | Payroll during 60-90 day payment cycles |
| Port and logistics | Fuel, equipment, broker gaps |
| Healthcare | Insurance reimbursement gaps |
| Restaurants and retail | Inventory, equipment, slow months |
| Construction | Materials and storm repair work |
Good fit:
Probably not yet:
Often a same-day decision and funding as soon as the next business day.
Yes, deposits from completed work count toward offer size; some funders specialize in the sector.
Applying while statements are strong usually brings better offers than after a disruption.
Options begin at 500.
It can be, if the customers are creditworthy; compare it with a revenue-based offer.
Buyouts up to $100K may be available depending on your file.
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