Collect faster, take supplier terms, cut idle inventory, switch daily payments to weekly where possible and reprice slow-pay customers.
Check my optionsCash flow
You can often free significant cash without a single extra sale by changing when money moves rather than how much. Timing, pricing structure, inventory and existing obligations are the main levers.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Change when customers pay. Ask for deposits on custom or large orders, shorten payment terms for new accounts, invoice on completion instead of month-end and make paying easy with card, ACH and online links. Offering a small discount for payment within ten days can pull cash forward for large accounts if your margins allow it.
Change when you pay. Use the full supplier terms rather than paying early without a discount. Ask suppliers you have paid reliably for longer terms. Move recurring bills to dates just after your strongest deposit days. Consider annual prepayments only when the discount clearly outweighs the cash tied up.
Shrink inventory without shrinking sales. Review which items have not moved in 60 or 90 days and clear them with bundles or markdowns. Reorder more frequently in smaller quantities from reliable suppliers. Inventory reductions turn idle goods into cash directly.
Reprice and repackage. Raising prices on low-margin items, adding minimum order sizes or charging for rush service improves cash per sale without needing more customers. Subscription or retainer models, where appropriate, smooth deposits through the month.
Restructure expensive obligations. If daily payments on existing advances are a major drain, ask whether a buyout of up to $100K or a structured second-position offer could replace them with a more manageable schedule, or whether early-payoff discounts at 30, 60 or 90 days apply. MFE considers credit from 500 for these options.
Review customer terms annually. Long-standing customers sometimes keep generous terms that were set years ago. Updating terms for new orders, with notice, can shorten collection times without losing the relationship.
Here is how a restructured obligation can change weekly cash flow. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.45) | $36,250 |
| Term | ~26 weeks |
| Payment per week | $1,394 |
| Monthly payment the project must cover | $6,037 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Deposits and faster invoicing | Customer cash sooner |
| Full supplier terms | Your cash stays longer |
| Inventory clearance | Idle stock becomes cash |
| Repricing and minimums | More cash per sale |
| Restructured payments | Lower weekly outflow |
Good fit:
Probably not yet:
Yes, by changing payment timing, inventory and pricing structure.
For large accounts when margins allow; compare the discount with the value of earlier cash.
Slow stock ties up cash; clearing it releases cash.
Often, after a record of reliable payments.
A buyout or structured second position can lower weekly payments.
They can raise cash per transaction.
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