Spend it on the planned use, track return, keep the payment funded with a reserve, and ask about early-payoff terms when cash allows.
Check my optionsCost and offers
The value of financing is decided after the money arrives. Deploying it quickly into the planned use, protecting the payment, tracking results and using early-payoff options when they exist turn the same offer into a better deal.
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.
A human reads the file, not just an algorithm score.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
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.
Deploy with purpose. Before the funds arrive, have the purchase orders, quotes or hiring plans ready so the money goes to work immediately. Capital that sits in the account while you decide what to do with it is still costing you through the factor or interest. Keep the funds in a clearly labeled account or track them in your books so they are not absorbed into general spending.
Protect the payment. Set aside a reserve of at least two weeks of payments as soon as funds arrive, and mark collection days on your cash calendar. If sales dip, call the funder before a payment fails; many revenue-based agreements allow reconciliation when receivables fall, and early communication preserves the relationship and your renewal options.
Track the return. Choose one or two metrics tied to the use: units sold from the new inventory, jobs completed with the new equipment, revenue from the new hire territory. Review them monthly against your plan. This tells you whether to repeat the strategy and gives you evidence for a larger or cheaper next round.
Use early payoff wisely. If your agreement includes discounts for paying off at 30, 60 or 90 days, as some MFE agreements do, and the funded activity produces cash faster than expected, paying down early can reduce your total cost. Compare the savings with keeping that cash as a reserve.
Finally, finish strong. Completing a funding agreement with on-time payments and steady balances is the single best way to qualify for better terms next time.
Here is an example where an early payoff discount reduces total cost. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $60,000 |
| Fees deducted at funding (3%) | $1,500 |
| Net cash you receive | $48,500 |
| Weekly payment over 26 weeks | $2,308 |
| Same total as daily debits (~130 business days) | $462/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Deploy immediately | Quotes and orders ready in advance |
| Reserve two weeks of payments | Protect collection days |
| Communicate early | Reconciliation if sales drop |
| Track one or two metrics | Prove the return |
| Consider early payoff | Discounts where offered |
Good fit:
Probably not yet:
Deploy it into the planned use and set aside a payment reserve.
Tracking them separately helps keep them on purpose.
Contact the funder before a payment fails; ask about reconciliation.
When a discount is offered, compare the savings with the value of keeping a reserve.
Track metrics tied to the use and review monthly.
Finish on time with steady balances.
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