Form the entity, get an EIN, open a business bank account, deposit all revenue, keep records, and build six months of deposits — that is when most revenue-based funding opens up.
Check my optionsStarting out
The choices made in a business first weeks, from registration to banking to bookkeeping, determine how easily it can be funded six or twelve months later. Doing them right from the start costs little and saves months later.
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.
You can apply at 500; stronger credit opens more products.
Advances, lines of credit and second-position options in one place.
Your file goes to funders that fit it, so offers can be compared.
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.
Register properly. Form the entity you intend to operate under, whether an LLC, corporation or sole proprietorship with a registered trade name, and obtain an EIN from the IRS. Use the exact legal name everywhere: bank, licenses, contracts and directories. Mismatched names are a common reason funding applications stall.
Open a dedicated business bank account on day one and route every sale through it. Funders size offers on deposits, so revenue that never touches the business account, such as cash kept in the register or payments to a personal account, does not count. Avoid paying personal expenses from it.
Set up bookkeeping immediately. Use accounting software connected to the bank and card, categorize weekly and keep receipts digitally. Within a few months you will be able to produce a profit-and-loss statement, which banks and larger requests require.
Start building business credit. Open a few net-30 supplier accounts that report to business bureaus and a business credit card used lightly and paid in full. Keep your personal credit healthy too, since most small-business funders review the owner.
Track key numbers from the beginning: monthly revenue, gross margin, cash balance and negative days. After several months of clean deposits, revenue-based options through MFE, which consider credit from 500, become available, and the same foundation later supports lines of credit and bank loans.
Here is the kind of first offer a business built this way might qualify for after several months. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.40) | $140,000 |
| Term | ~36 weeks |
| Payment per week | $3,889 |
| Monthly payment the project must cover | $16,839 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Entity and EIN | Consistent legal name everywhere |
| Business bank account | All revenue deposited |
| Bookkeeping software | Weekly categorization |
| Business credit | Net-30 accounts, card paid in full |
| Key metrics | Revenue, margin, cash, negative days |
Good fit:
Probably not yet:
Register properly, bank all revenue, keep books and build business credit.
Funders size offers on deposits in that account.
Usually after several months of consistent deposits.
Most businesses benefit from one; it is required for corporations, partnerships and businesses with employees.
Net-30 supplier accounts and a business card paid in full.
Revenue, gross margin, cash balance and negative days.
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