Forecast 13 weeks, invoice fast, slow down payables, keep a reserve, and line up funding before you need it. Funding is cheapest when you are not desperate.
Check my optionsCash flow
Good cash-flow management means knowing what cash will be in the account each week, not just what the business earns each month. When you can see shortfalls coming, funding becomes a planned choice rather than an emergency.
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 person reviews your revenue, time in business and bank activity, often within hours.
A human reads the file, not just an algorithm score.
Net cash, total payback and payment shown before you sign.
You can apply at 500; stronger credit opens more products.
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.
Build a rolling 13-week cash forecast. List expected deposits by week, based on actual customer payment patterns rather than invoice dates, and every outflow: payroll, rent, suppliers, taxes, loan or advance payments and owner draws. Update it every Monday. Most cash crises are visible three or four weeks ahead in a forecast like this.
Then work on the levers you control. Invoice immediately and follow up on day one past due. Offer customers easy payment methods and consider small early-payment discounts for large accounts. On the outflow side, negotiate supplier terms, align big purchases with strong weeks and avoid paying suppliers earlier than required unless there is a discount.
Keep a reserve. A common target is enough cash to cover four to eight weeks of fixed costs. Even two weeks prevents a single slow week from causing negative days, returned payments or late fees, all of which also make future funding harder and more expensive.
When the forecast shows a gap that the levers cannot close, choose financing based on the gap. A short, one-time gap fits a small advance or a line-of-credit draw; a recurring seasonal gap fits a line or a revenue-based product timed before the slow season. Applying while your statements still look strong, rather than after the crisis hits, generally earns better offers. MFE considers credit from 500 and can decide the same day.
Here is how a funding offer could cover a forecast gap. Illustrative numbers.
| Funding for the project | $60,000 |
| Total payback (factor 1.45) | $87,000 |
| Term | ~36 weeks |
| Payment per week | $2,417 |
| Monthly payment the project must cover | $10,464 |
| Your estimate of added monthly profit | $25,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Invoice immediately | Cash arrives sooner |
| Early-payment discounts | Large clients pay faster |
| Negotiated supplier terms | Cash stays longer |
| Reserve of 4-8 weeks | Absorbs slow periods |
| 13-week forecast | Gaps seen in advance |
Good fit:
Probably not yet:
A weekly projection of cash in and out for the next quarter, updated regularly.
Many owners aim for four to eight weeks of fixed costs; start with two.
Before the gap, while your statements still look strong.
It can bridge timing gaps; it does not fix losses.
A line of credit or a revenue-based product timed before the slow season.
Yes. Fewer negative days and steady balances lead to better terms.
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