Shorten collection time, negotiate longer supplier terms, cut idle inventory, and use a line of credit for timing gaps instead of expensive overdrafts.
Check my optionsCash flow
Improving cash flow means speeding up money coming in, slowing money going out where it is free to do so, and reducing how much cash sits idle in inventory and receivables. Most improvements cost little and compound over months.
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.
Advances, lines of credit and second-position options in one place.
Net cash, total payback and payment shown before you sign.
Approved files are usually funded the next business day.
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.
Speed up collections. Invoice the day work is completed, not at month end. Shorten terms for new customers, require deposits on large or custom jobs, and offer card, ACH and online payment links. Follow up on overdue invoices on a fixed schedule. Each day cut from your average collection time frees cash permanently.
Manage outflows deliberately. Pay suppliers on the due date rather than early unless there is a discount worth taking. Negotiate longer terms with key vendors once you have a payment history. Review subscriptions and recurring charges quarterly. Align large purchases with your strongest cash weeks.
Free cash tied up in inventory. Identify slow-moving items and discount or bundle them, reorder based on actual sell-through rather than habit, and consider smaller, more frequent orders for items with reliable suppliers. Every dollar of stock that sits on a shelf is a dollar not available for payroll.
Restructure expensive obligations. If existing debt or advance payments take a large share of deposits, ask whether a buyout of up to $100K or a structured second-position offer could consolidate them into a more manageable schedule, or whether early-payoff discounts at 30, 60 or 90 days would reduce the total. MFE considers credit from 500 for these options.
Pricing structure is another lever. Requiring deposits on custom orders, offering prepaid packages or memberships, and billing recurring services in advance all bring cash in sooner without increasing the total amount customers pay. Even a modest shift toward upfront payment can change weekly cash meaningfully.
Finally, look at how fees eat cash. Card processing rates, bank fees and late fees from suppliers can quietly consume a percentage of revenue. Comparing processing rates and paying suppliers on time removes avoidable leakage that never shows up as a single large expense.
Here is an example of how a restructured payment can free weekly cash. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.38) | $138,000 |
| Term | ~32 weeks |
| Payment per week | $4,312 |
| Monthly payment the project must cover | $18,673 |
| Your estimate of added monthly profit | $15,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Invoice same day | Cash arrives sooner |
| Deposits on large jobs | Less cash fronted |
| Pay on due date | Cash stays longer |
| Trim slow inventory | Frees idle cash |
| Restructure heavy payments | Lower weekly outflow |
Good fit:
Probably not yet:
Invoice immediately and follow up on overdue accounts.
Only if there is a worthwhile discount.
Slow-moving stock ties up cash that could pay other costs.
A buyout or structured second position can reduce weekly outflow.
Yes, they reduce how much cash you front.
Quarterly.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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