Request the cost of the specific job plus a small buffer, and check the payment fits your slowest month. Offers are usually sized around one month of revenue.
Check my optionsCost and offers
The right request is the smallest amount that fully covers the need, plus a modest cushion, with a payment your slowest month can carry. Asking for too little forces a second round; asking for too much makes every payment heavier than it needs to be.
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.
You can apply at 500; stronger credit opens more products.
Advances, lines of credit and second-position options in one place.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
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 the number bottom-up. List the specific costs the money will cover: the inventory order, the equipment down payment, the payroll gap for six weeks, the repair invoice. Add costs that tend to be forgotten, such as freight, installation, sales tax and the first month of any new expense. Then subtract what you can cover from cash without dropping below a safe reserve, usually at least two to four weeks of fixed costs.
Add a cushion of roughly 10% to 15% for overruns, but no more. Projects almost always cost a little more than planned, and a second funding round shortly after the first is harder and more expensive. A cushion much larger than that just adds cost.
Then check the request against capacity. Revenue-based offers are commonly sized at a fraction of one month of deposits for a first round, so a business depositing $40,000 a month should not expect a first offer of $120,000. Estimate the payment the request implies and test it against your weakest recent month after payroll, rent, taxes and existing debt payments. If it does not fit, reduce the scope, split the project into stages or look for a longer-term product.
Finally, tie the amount to the payback. If the funded activity will produce $6,000 of added gross profit per month, a payment around half of that leaves room for slow months. When you apply through MFE, with credit from 500 considered, state the amount and the use clearly; a specific request with a clear purpose is easier to approve than a round number with no explanation.
Here is an offer sized bottom-up rather than at the maximum. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.45 |
| Total payback (amount × factor) | $36,250 |
| Fees deducted at funding (3%) | $750 |
| Net cash you receive | $24,250 |
| Weekly payment over 36 weeks | $1,007 |
| Same total as daily debits (~180 business days) | $201/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Specific costs | Inventory, equipment, payroll gap, repairs |
| Forgotten costs | Freight, install, tax, first month |
| Minus available cash | Keep a 2-4 week reserve |
| Plus cushion | About 10-15% |
| Capacity check | Payment fits weakest month |
Good fit:
Probably not yet:
The smallest amount that covers the full need plus a modest cushion, with an affordable payment.
Revenue-based first offers are often a fraction of one month of deposits.
You pay cost on every dollar and the payment is larger.
Roughly 10% to 15% for overruns.
Reduce scope, stage the project or choose a longer-term product.
Yes, a clear amount and purpose are easier to evaluate.
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