Growth eats cash before it returns it. Forecast the cash gap, fund it with matching-term money, and do not stack short advances to chase growth.
Check my optionsGrowth
Fast growth consumes cash. Every new customer can require inventory, labor and time before payment arrives, so a business can be growing quickly and running out of money at the same time. Managing that tension is a skill.
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.
Your file goes to funders that fit it, so offers can be compared.
Advances, lines of credit and second-position options in one place.
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Net cash, total payback and payment shown before you sign.
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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.
Understand your cash conversion cycle: the days between paying for inputs and collecting from customers. If you pay suppliers in 15 days, hold inventory for 30 and collect in 45, you are financing 60 days of operations for every sale. Double your sales and you need roughly double that working capital. Knowing the number lets you calculate how much cash each growth step will absorb.
Grow the funding with the business. Many owners finance growth only from profit, which works until growth outpaces it. A line of credit sized to receivables, inventory financing, or revenue-based funding timed to big orders can supply working capital as volume rises. Use longer-term financing for equipment and space so short-term funding is reserved for the cycle itself.
Protect margins as you scale. Growth often brings discounts for large customers, overtime, rush shipping and new hires who are not yet productive. Track gross margin monthly; if it falls as revenue rises, growth may be making the business poorer. Price new large accounts with your real costs in mind.
Keep controls tight. Rapid growth is when invoices go out late, collections slip and expenses go unreviewed. Assign someone to invoicing and collections, review spending weekly and keep a 13-week cash forecast current.
MFE considers credit from 500 and can provide capital for specific growth steps, sized to the cash each step consumes rather than an arbitrary maximum.
Here is working capital sized to the cash a growth step absorbs. Illustrative numbers.
| Funding for the project | $125,000 |
| Total payback (factor 1.40) | $175,000 |
| Term | ~40 weeks |
| Payment per week | $4,375 |
| Monthly payment the project must cover | $18,944 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Long cash conversion cycle | Shorten terms, finance the gap |
| Growth outpaces profit | Line of credit or timed funding |
| Margin erosion | Track gross margin monthly |
| Late invoicing | Dedicated billing and collections |
| No visibility | 13-week cash forecast |
Good fit:
Probably not yet:
Each new sale may require spending before payment arrives.
The days between paying for inputs and collecting from customers.
Match funding to the working capital each growth step absorbs.
Only if you can finance the gap and margins hold.
Track gross margin monthly as revenue rises.
Prompt invoicing, collections and a rolling cash forecast.
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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