Enough to cover fixed costs for six to twelve months while sales ramp. Most revenue-based funding starts after about six months of deposits.
Check my optionsStarting out
A new business needs enough cash to cover startup costs plus operating losses until revenue catches up with expenses, with a margin for surprises. For many small businesses that means planning for several months of expenses before reaching break-even.
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.
Your file goes to funders that fit it, so offers can be compared.
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.
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.
Split the estimate into two parts. One-time startup costs include licenses, deposits, build-out, equipment, initial inventory, branding and a website. Operating costs are the monthly expenses that continue whether or not sales arrive: rent, payroll, insurance, utilities, software, marketing and the owner living costs if the business must cover them.
Next, project revenue month by month realistically. Most new businesses ramp up slowly; a restaurant may take several months to reach steady traffic, and a service business may need time to build a client base. The cash you need is the startup cost plus the cumulative gap between expenses and revenue until the month the business breaks even, plus a reserve of several months of fixed costs in case the ramp is slower than planned.
For example, a business with $45,000 of startup costs, $12,000 of monthly expenses and revenue that grows from $3,000 to $12,000 over six months might accumulate roughly $30,000 in operating shortfalls before breaking even. Add a three-month reserve of fixed costs and the total cash need approaches $100,000, well above the startup budget alone.
Funding sources for year one are mostly owner savings, family, SBA microloans, CDFIs and equipment financing, because revenue-based funding requires several months of deposits. Once the business has steady deposits, revenue-based options through MFE, with credit from 500 considered, can supplement working capital as the business grows.
Here is the kind of revenue-based offer a business might qualify for after its first months of deposits. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.25) | $125,000 |
| Term | ~52 weeks |
| Payment per week | $2,404 |
| Monthly payment the project must cover | $10,409 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Startup costs | Licenses, deposits, build-out, equipment |
| Monthly operating costs | Rent, payroll, insurance, marketing |
| Revenue ramp | Realistic month-by-month projection |
| Operating shortfall | Cumulative gap until break-even |
| Reserve | Several months of fixed costs |
Good fit:
Probably not yet:
Startup costs plus operating shortfalls until break-even, plus a reserve.
It varies widely; many take months, some longer.
Usually after several months of deposits; earlier, look at savings, microloans and CDFIs.
Deposits, insurance, software, sales tax and their own living costs.
Several months of fixed costs is a common target.
Yes, it can reduce upfront cash needed for machinery or vehicles.
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