Build a reserve, trim fixed costs, keep customers diversified and secure funding access while revenue is still strong; funders look at the last few months.
Check my optionsFinancial management
Recessions reduce demand, slow customer payments and tighten credit at the same time. Preparation focuses on three things: cash runway, cost flexibility and keeping access to funding before lenders pull back.
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.
Approved files are usually funded the next business day.
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.
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.
Calculate your runway under stress. Model what happens if revenue drops 15%, 25% and 35% for six months while fixed costs stay the same. How many weeks of cash do you have in each case? This exercise tells you how much reserve to build and which costs you would cut first.
Strengthen cash now. Build reserves from current profits, collect receivables more aggressively before customers come under pressure themselves and avoid locking into long new commitments without an exit. Consider paying down expensive short-term obligations while revenue is strong, especially if early-payoff discounts apply.
Make costs more variable. Review leases, contracts and subscriptions for flexibility. Cross-train staff so you can operate with fewer people if needed. Identify which marketing spend produces measurable sales and which could be paused without harm.
Secure credit while conditions are good. During downturns, banks tend to tighten lending standards and revenue-based funders may become more selective in hard-hit industries. Opening a line of credit or knowing which funding options fit your business before conditions change gives you choices later. MFE considers credit from 500 and reaches multiple funders, which helps when some tighten more than others.
Look for counter-cyclical opportunities as well: weaker competitors, discounted equipment and available talent. A business with a reserve and credit access can take advantage of them.
Look closely at your customers as well. Businesses that sell to other businesses can be hurt when their customers struggle. Reviewing which customers pay slowly, setting credit limits for new accounts and shortening terms for at-risk customers reduce the chance of bad debts during a downturn.
Supplier relationships matter too. Talking with key suppliers before conditions worsen, about terms, minimum orders and alternatives if they face shortages, gives you options when you need them most.
Here is standby capital a business might line up before a slowdown. Illustrative numbers.
| Funding for the project | $40,000 |
| Total payback (factor 1.35) | $54,000 |
| Term | ~32 weeks |
| Payment per week | $1,688 |
| Monthly payment the project must cover | $7,307 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Stress-tested runway | Weeks of cash at -15/-25/-35% |
| Cash reserve | Built from current profit |
| Faster collections | Before customers weaken |
| Variable costs | Flexible contracts and staffing |
| Credit arranged early | Before lenders tighten |
Good fit:
Probably not yet:
Build runway, make costs flexible and secure credit while conditions are good.
Enough to cover the gap in your stress-tested scenarios.
Paying down expensive short-term debt can help, especially with early-payoff discounts.
Historically, many do; credit is easier to obtain before conditions change.
Those that do not directly protect revenue or customer retention.
Discounted assets, available talent and weaker competitors can create them.
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