Revenue-based options often start around six months in business with steady deposits; very new businesses may need SBA microloans, equipment financing or a personal guarantee.
Check my optionsRequirements
Most funders want to see some track record, but the bar varies widely. Some revenue-based options look at businesses with a few months of deposits, while banks often want two years.
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.
You can apply at 500; stronger credit opens more products.
Your file goes to funders that fit it, so offers can be compared.
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.
Time in business matters because it shows the revenue is real and repeatable. Banks and SBA lenders typically want two years of returns. Online lenders often want one year. Revenue-based funders and merchant cash advance providers may review businesses with as little as several months of consistent deposits, because they size the offer on what the account actually shows.
If the business is very new, strengthen what you can control: run every sale through one business account, avoid negative days, and keep personal and business money apart. A new business with three months of steady deposits often looks better than an older one with erratic statements. Owners who bought an existing business or converted a sole proprietorship can sometimes show the earlier history, so bring those records.
Other options for brand-new businesses include equipment financing, where the asset secures the deal, vendor credit, SBA microloans through community lenders and personal credit used carefully. When revenue-based funding is available early, expect a smaller first amount; MFE considers owners with credit from 500, and the offer grows as months of history and on-time payments accumulate.
If you are close to a milestone, timing can help. Applying at six months rather than four, or after a full season of deposits, often produces noticeably better offers because underwriters can see a more reliable pattern. When the need can wait a few weeks, that patience usually pays.
Meanwhile, document every source of revenue. Contracts signed, recurring customers, pre-orders and a short note explaining the business model help an underwriter understand a young business beyond its limited bank history.
A newer business with a few months of deposits might see a modest offer like this. Illustrative numbers.
| Business bank statements | 3–6 months, PDF from the bank |
| Month-to-date activity | Recent transactions |
| Government ID | Owner(s) with 50%+ |
| Voided business check | For funding and payments |
| Existing advance details | Balance and payment of each |
| Business details | EIN, address, start date |
Complete files get faster decisions and larger offers.
| Bank term loan | Often 2+ years |
| SBA 7(a) | Usually 2+ years |
| Online lender | Often 1+ year |
| Revenue-based funding | Several months of deposits |
| Equipment financing | Varies; asset helps |
Good fit:
Probably not yet:
It varies by product. Revenue-based funders may review businesses with several months of deposits; banks often want two years.
Revenue-based funding needs deposits. Pre-revenue businesses usually look at SBA microloans, personal savings or partners.
Often yes, if you can show the prior revenue history.
Usually. It grows with more history and on-time payments.
Recent business bank statements, ID, entity details and sometimes proof of ownership.
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