Check net profit after paying yourself and all debt, plus cash left in the bank. Profit without cash means a working capital problem.
Check my optionsFinancial management
A growing bank balance or a busy calendar does not prove profitability. True profitability means revenue covers every cost, including the ones that are easy to ignore: your own pay, equipment replacement, taxes and the cost of the money you borrow.
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.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
You can apply at 500; stronger credit opens more products.
Net cash, total payback and payment shown before you sign.
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.
Start with gross margin by product or service. Revenue minus the direct costs of delivering it shows which offerings actually make money. Many small businesses discover that one or two lines carry the business while others barely break even or lose money once materials and direct labor are counted properly.
Next, account for the owner. If you work full time in the business but pay yourself irregularly or below market, the business may look profitable only because it is not paying for its most important worker. Subtract a reasonable salary for your role to see whether the business earns a return beyond your labor.
Then add the costs that arrive irregularly: annual insurance, licenses, equipment replacement, vehicle maintenance and quarterly taxes. A monthly profit-and-loss that ignores them can overstate profit for months and then show a sudden loss. Spreading them evenly gives a more honest monthly picture.
Include financing costs. Interest on loans, the cost component of an advance and card fees are real expenses. A business that is only profitable before its financing costs is not yet able to carry its debt. When evaluating new funding, add its cost and confirm the business remains profitable afterward.
If the business is truly profitable on this basis, financing can amplify that profit. If not, pricing and cost changes come first. MFE considers credit from 500, but offers are always easier to justify, and to repay, when the underlying business earns a real profit.
Here is how a financing cost fits into a profitability check. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.35) | $101,250 |
| Term | ~32 weeks |
| Payment per week | $3,164 |
| Monthly payment the project must cover | $13,700 |
| Your estimate of added monthly profit | $15,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Gross margin by line | Which offerings make money |
| Owner market salary | Profit beyond your labor |
| Irregular costs spread monthly | Insurance, licenses, replacement |
| Financing costs | Interest and advance cost |
| Taxes | Set aside before calling it profit |
Good fit:
Probably not yet:
Subtract all costs, including your market salary, irregular expenses, financing costs and taxes.
Without it, profit may simply be your unpaid labor.
Annual insurance, licenses, equipment replacement and taxes.
Yes, they are real expenses.
Consider repricing, redesigning or dropping it.
Not by itself; fix pricing and costs first.
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