Merchant Fund Express
(305) 384-8391Apply

Revenue-Based Financing for Machine Shops

Funding with repayment tied to the revenue your shop brings in. Apply in 5 minutes, soft credit pull to start, no tax returns.

Check My Offer

Revenue-Based Financing

Payments that follow your production runs

Get a lump sum for material, hiring or ramp-up costs and repay as revenue arrives. FICO 500+ considered, with the full repayment amount shown before you accept.

As fast as
24 hours

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.

Made for uneven shop revenue

Minimal paperwork, fast answers

Five minutes to apply and about three months of bank statements. No tax returns.

Flexible on credit

FICO 500+ is considered. Your deposit history matters most here.

Total cost in writing

The full repayment amount appears in your offer before you accept, with no surprise costs later.

A clear repayment structure

How repayment works is laid out in your offer up front, so you can plan with confidence.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Repayment that moves with your shop's revenue

Machine shop revenue rarely arrives in neat monthly amounts. One month a large aerospace or automotive order ships and invoices clear; the next month you are setting up new jobs and waiting on first-article approvals. Revenue-based financing is built for that pattern. Instead of a fixed amount regardless of what comes in, repayment is tied to your revenue, so payments follow the rhythm of your business.

How revenue-based financing works

You receive a lump sum up front. Repayment is then collected as a share of your incoming revenue until the full repayment amount is paid. When a big order pays out, more goes toward the balance. When things are slower, the payment eases. Your offer lays out the full repayment amount and how the schedule works before you accept, so you know the total cost from day one.

Where it fits in a machine shop

For a single large machine, equipment financing may be a cleaner match. For recurring short needs, compare a business line of credit.

What we look at

Because repayment depends on revenue, we focus on deposits. About three months of business bank statements usually tells the story. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply. We start with a soft credit pull.

When your statements are ready, the application takes about five minutes. Funding can arrive in as little as 24 hours for qualified businesses.

Planning for seasonal swings

Many shops slow down around plant shutdowns and year-end. If you know a quiet stretch is coming, our slow season funding page and cash flow guide cover ways to prepare.

Frequently Asked Questions

Is revenue-based financing a loan?

It is a financing product where repayment is tied to your revenue rather than a fixed monthly payment. Your offer explains exactly how it works.

Do payments go down in slow months?

Payments are tied to revenue, so they generally follow how much comes in. The specifics are spelled out in your offer before you accept.

How is the amount decided?

Mainly by your deposits and any existing obligations. Funding ranges from $25,000 to $5,000,000.

Do I need tax returns?

No. About three months of business bank statements is typically enough to start.

Can a job shop with lumpy revenue qualify?

Lumpy revenue is common in machining. We look at the overall deposit pattern rather than any single month.

Can I use it alongside equipment financing?

Often, yes. Many shops pair a machine purchase with funding for the material and labor that come with it. Tell us about all current and planned financing so the offer fits what your deposits can support.

New customer ramp $90,000.00
Fixtures and gauges $35,000.00
CAM software $27,000.00
Programmer hire $55,000.00

Example uses for illustration only.

How to improve your chances

These steps make a revenue-based request easier to evaluate.

  • Run all customer payments through one business account
  • Note any large orders that skew a single month
  • Avoid overdrafts in the months before you apply
  • Share current financing so the offer fits your load

Revenue-based financing vs. a bank term loan

Merchant Fund Express
Traditional bank loans
Payments
Tied to your revenue
Fixed regardless of revenue
Credit
FICO 500+ considered
Strong credit usually required
Documents
About 3 months of statements
Tax returns and financials
Speed
As little as 24 hours if qualified
Weeks to close
To start
Soft credit pull
Hard credit pull

Match your funding to your revenue

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall