The common ones: borrowing more than the plan needs, using short-term money for long-term projects, ignoring the payment schedule against slow weeks, and not tracking what the money produced. Match the funding to a specific job.
Check my optionsCost and offers
Funding rarely fails because of the price alone. It fails when the money is pointed at the wrong job or the payment lands in the wrong week.
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.
Existing balances of $100,000 or less can be bought out.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
The first mistake is sizing the request to the maximum offer instead of the actual need. Every extra dollar carries the same factor, so taking $80,000 for a $50,000 project adds cost without adding return.
The other common traps are using short-term money for long payback projects, forgetting that slow weeks still owe the same daily or weekly debit, and never tracking what the funds produced. Owners who write a one-line purpose and check it monthly rarely end up refinancing out of trouble.
A simple safeguard is a one-page funding memo written before you sign: the amount, the single use, the weekly payment, the worst recent week of deposits, and the date you will check results. Owners who keep that memo tend to borrow less, choose terms that fit their cash cycle, and avoid the cycle of renewing early just to cover the last advance.
This example shows what an oversized request costs: the factor applies to every dollar, used or not.
| Amount funded | $75,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $108,750 |
| Fees deducted at funding (4%) | $3,000 |
| Net cash you receive | $72,000 |
| Weekly payment over 36 weeks | $3,021 |
| Same total as daily debits (~180 business days) | $604/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Borrowing the maximum offered | Request only the documented need |
| Short money for a long project | Match term to payback period |
| Ignoring slow weeks | Size payment to your weakest month |
| No tracking | Tie the funds to one measurable goal |
| Stacking a second advance blindly | Disclose and model combined payments |
Good fit:
Probably not yet:
Not always, but take it only if the plan needs it. Unused cash still costs the full factor, so the extra rarely pays for itself.
Compare the weekly payment with your weakest recent week of deposits. If it would take more than a comfortable share of that week, ask for a smaller amount or a longer term.
The agreement may limit uses, so read it. Practically, money spent on things that do not earn it back is what creates repayment strain.
Track the specific result the money was for, such as added sales, saved hours or avoided downtime, and compare it with the total payback.
Not always. Refinancing can lower a payment that is choking cash flow, but renewing just to get more cash before the first project pays back usually raises total cost.
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