Steady deposits, fewer negative days, a higher average balance, full disclosure of existing advances and a request sized to revenue.
Check my optionsRequirements
Approval odds improve with three kinds of action: things you fix in the weeks before applying, choices you make in the application itself and how you respond during underwriting.
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.
You can apply at 500; stronger credit opens more products.
Existing balances of $100,000 or less can be bought out.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
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.
Before applying, give the underwriter a clean picture. Keep the account positive every day for at least the most recent month or two, route all revenue through the business account, avoid new debts and large one-time withdrawals, and check your credit reports for errors. If you have tax issues, a documented payment plan in good standing can turn a likely decline into a reviewable file.
In the application, choose the right product and amount. Apply where your profile fits: revenue-based options consider credit from 500 and several months of deposits, while banks want stronger credit and longer history. Request an amount proportionate to your monthly deposits and tied to a specific use. Disclose every existing loan and advance; omissions are among the most common reasons for declines after review.
Strengthen the file with context. A short note explaining a slow month, a one-time withdrawal or a past credit issue, supported by documents, often prevents an automatic decline. Signed contracts or purchase orders can support a larger amount.
During underwriting, respond quickly. Underwriters may ask for an additional statement, a clarification of a deposit or a verification call. Same-day responses keep the file moving; delays can push it to the bottom of the queue.
Using a marketplace such as MFE improves odds further because one complete file reaches multiple funders, each with different criteria, instead of relying on a single provider decision.
If you have been declined before, keep the decline reasons and show what changed: three clean months of statements, a tax plan in place or a reduced request. Underwriters reviewing a reapplication respond well to visible progress.
Here is an approval for a business that prepared before applying. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Before applying | No negative days, no new debt, credit review |
| Product choice | Apply where your profile fits |
| Amount | Proportionate to deposits, tied to use |
| Context | Notes and documents for unusual items |
| During underwriting | Same-day responses |
Good fit:
Probably not yet:
Clean up statements, choose the right product and amount, disclose debts and respond quickly.
Yes, one file reaches several funders with different criteria.
Yes, with a short note and supporting documents.
Undisclosed debts, recent negative days and disproportionate requests are common.
A documented plan in good standing often makes a file reviewable.
The same day if possible.
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