Raise your average daily balance, eliminate negative days, separate personal spending and reduce stacked advances.
Check my optionsFinancial management
Funders judge financial health from what they can see: bank statements, credit, existing obligations and, for larger requests, financial statements. A focused 90-day tune-up can noticeably change how your file looks.
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.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Days one to thirty: clean the account. Move all business revenue into one business account and stop personal spending from it. Set up low-balance alerts and move a small buffer into the account so it never closes negative. Label transfers between your own accounts. Pull your personal credit reports from the three bureaus and dispute any errors.
Days thirty to sixty: reduce visible strain. Pay down revolving card balances toward a third of the limit or less. Bring any past-due accounts current. If you owe back taxes, file and set up a payment plan with the IRS and keep it current. Avoid new debt during this window so the statements show a stable pattern.
Days sixty to ninety: document and organize. Produce a simple monthly profit-and-loss statement for the last year, list all current debts with balances and payments, and gather contracts or purchase orders that show upcoming revenue. Write a one-paragraph use-of-funds summary for the amount you plan to request.
After ninety days you will have three months of clean statements, a better credit profile and documents ready, which together tend to produce larger offers, lower costs or longer terms. MFE considers credit from 500 and reviews deposits, balances and existing payments, exactly the areas this tune-up targets.
During the 90 days, track two numbers weekly: the lowest balance of the week and the count of negative days. Watching them improve week by week is motivating and gives you exact figures to mention when you apply.
Here is how an offer might look after a 90-day tune-up. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.40) | $140,000 |
| Term | ~32 weeks |
| Payment per week | $4,375 |
| Monthly payment the project must cover | $18,944 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Days 1-30 | One account, no negatives, credit report review |
| Days 30-60 | Lower card balances, catch up past-dues, tax plan |
| Days 60-90 | P&L, debt list, contracts, use-of-funds |
| Throughout | No new debt |
| Result | Three clean months to show funders |
Good fit:
Probably not yet:
Clean up the account, reduce visible debt strain and organize documents over about 90 days.
Many funders review three to six months of statements; three clean months show a new pattern.
Lower utilization often improves your personal score.
If you owe back taxes, yes; keep it current.
Yes, new obligations reduce capacity and add risk.
A P&L, debt list, contracts or purchase orders and a use-of-funds summary.
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