Banks and SBA loans take weeks to months; revenue-based funding can be decided the same day with funding the next business day.
Check my optionsSpeed
Approval time ranges from hours to months depending on the product. Revenue-based funding can be decided the same day; online loans take days; bank loans take weeks; SBA loans can take one to three months or more.
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.
Existing balances of $100,000 or less can be bought out.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
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.
Revenue-based funding and merchant cash advances are the fastest because underwriting relies mostly on bank statements. With a complete file, a decision often comes within hours, and funding can arrive the next business day after signing and verification. The main delays are incomplete documents and verification calls that cannot be completed.
Online term loans and lines of credit usually take from one day to a week. They check credit more closely and may ask for tax returns or connect directly to your accounting software. Equipment financing often falls in a similar range, depending on the vendor paperwork and the equipment being financed.
Bank term loans typically take two to six weeks. Banks review tax returns, financial statements, collateral, the business plan for larger requests and sometimes require committee approval. SBA 7(a) loans can take 30 to 90 days or longer, because the lender must also complete SBA requirements; SBA Express and lenders with preferred status can move faster.
Across all products, you control part of the timeline. Have the core documents ready before you apply, use consistent business names and addresses, disclose all existing debts, respond to questions the same day and make sure every owner who must sign is available. A single application through MFE reaches multiple funders at once, considering credit from 500, which avoids repeating the process if the first funder declines.
Here is a same-day style offer, ready to compare while slower options are pending. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $160,000 |
| Fees deducted at funding (3%) | $3,750 |
| Net cash you receive | $121,250 |
| Weekly payment over 26 weeks | $6,154 |
| Same total as daily debits (~130 business days) | $1,231/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Merchant cash advance / revenue-based | Same day to 2 days |
| Online term loan or line | 1 day to 1 week |
| Equipment financing | Days to 2 weeks |
| Bank term loan | 2 to 6 weeks |
| SBA 7(a) | 30 to 90+ days |
Good fit:
Probably not yet:
From same day for revenue-based funding to months for SBA loans.
Revenue-based funding and merchant cash advances.
Lenders must complete both their own underwriting and SBA requirements.
Yes, but disclose the pending application and plan how both payments would fit.
Missing documents, inconsistent details and unreachable owners.
It can, by reaching several funders with one complete file.
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