Use of funds, revenue history, cash-flow forecast and how the money repays. Funders skip the mission statement.
Check my optionsStarting out
Lenders and investors rarely read a business plan front to back. They go straight to a few sections that answer whether the business can repay or grow: the financials, the use of funds, the management team and the market evidence.
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.
Approved files are usually funded the next business day.
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.
Financial projections are read first. Lenders want a monthly cash flow projection for at least the first year, an annual projection for two to three years, a break-even analysis and the assumptions behind each number. Unrealistic growth rates or margins far above industry norms undermine the whole plan; conservative, explained assumptions build credibility.
The use of funds comes next. A table showing exactly what the money buys, such as equipment, inventory, build-out or working capital, and how each item contributes to revenue lets the lender judge whether the request is sized correctly. Vague categories like general expenses raise questions.
Management experience matters, especially for startups. Lenders want to know that the people running the business have relevant experience in the industry or in running a business. A short summary of each owner background, licenses and track record is enough.
Market evidence supports the projections. Rather than broad industry statistics, show evidence specific to your business: signed letters of intent, a waiting list, pre-orders, a lease in a high-traffic location or data from a pilot. This is what convinces a reader that projected revenue will materialize.
Other sections, such as the executive summary, company description and marketing plan, frame the story but are read more quickly. For revenue-based funding through MFE, a formal plan is usually not needed, since underwriting relies on statements, but the same discipline in a one-page use-of-funds note helps.
Here is a revenue-based offer for an established business, where statements replace a formal plan. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.30) | $32,500 |
| Term | ~44 weeks |
| Payment per week | $739 |
| Monthly payment the project must cover | $3,198 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Financial projections | Read first; assumptions matter |
| Use of funds | Itemized and tied to revenue |
| Management experience | Critical for startups |
| Market evidence | Specific to your business |
| Executive summary and marketing | Frame the story |
Good fit:
Probably not yet:
The financial projections and their assumptions.
Monthly for at least the first year.
An itemized list of what the money buys and how it contributes to revenue.
Yes, especially for startups.
Letters of intent, pre-orders, waiting lists or pilot data specific to your business.
Usually not; they rely on bank statements.
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