Certification opens supplier-diversity contracts and some grant or lending programs; contracts with large buyers can also strengthen a funding file. Revenue-based funders still decide on deposits.
Check my optionsOwner communities
Certification can open doors to contracts, supplier programs and some targeted lenders. It does not change how a revenue-based funder reads your bank statements.
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.
Your file goes to funders that fit it, so offers can be compared.
Advances, lines of credit and second-position options in one place.
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.
Certifications such as those from the National Minority Supplier Development Council, state programs or the SBA 8(a) program can make you eligible for set-aside contracts, corporate supplier-diversity programs and some community lending. The biggest financial benefit is usually new revenue from contracts, which then strengthens your deposits.
Some lenders, particularly community development financial institutions and certain bank programs, offer lower-cost loans or technical assistance to certified businesses. These tend to involve more paperwork and longer timelines than private funding but can be cheaper.
Private revenue-based funders look at deposits, balances, existing payments and time in business for every applicant, certified or not. A practical approach is to pursue certification for the contract opportunities while using fast funding, when needed, to buy materials or hire for a new contract that certification helped you win.
Certification also changes how quickly a business can respond to procurement opportunities. Many corporate buyers search supplier databases for certified firms when a new contract opens; being listed and having capability statements ready means you can bid within the window rather than scrambling.
Once a contract is won, working capital becomes the next question. Large buyers often pay on 45- to 60-day terms, so the business may need to fund materials and payroll for the first months of the contract. Revenue-based funding sized on deposits, or factoring of the buyer invoices, can bridge that period.
When a certified business wins a new contract, it often needs cash for materials or staff before the first payment. Here is how that might be funded. Illustrative.
| Amount funded | $75,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $101,250 |
| Fees deducted at funding (3%) | $2,250 |
| Net cash you receive | $72,750 |
| Weekly payment over 32 weeks | $3,164 |
| Same total as daily debits (~160 business days) | $633/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Set-aside contracts | More revenue opportunities |
| Corporate supplier programs | Access to large buyers |
| Community lenders (CDFIs) | Lower cost, more paperwork |
| Technical assistance | Help with bids and finances |
| Private revenue-based funding | Same review as any business |
Good fit:
Probably not yet:
Not with private revenue-based funders, who review deposits for everyone. It can help with certain community and contract-linked programs.
It varies by program, often weeks to a few months, depending on documentation and review.
Yes. Working capital can cover materials and staff before the first contract payment arrives.
Some programs exist, but they are competitive. Treat them as a bonus rather than a funding plan.
It depends on your customers: government work points to SBA or state programs, corporate buyers often look for supplier-council certification.
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