Funding repaid from revenue; businesses with about six months of steady deposits and 500+ credit commonly qualify.
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Revenue-based financing is designed for businesses whose revenue is steady enough to support repayment from future sales. Qualification depends far more on what your bank account shows than on collateral or a perfect credit history.
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.
Net cash, total payback and payment shown before you sign.
A human reads the file, not just an algorithm score.
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.
The core qualification is consistent revenue in a business bank account. Funders typically review three to six months of statements. They look for steady monthly deposits, a healthy number of deposits rather than one or two large ones, and an average daily balance that shows the business keeps a cushion. Very small or highly irregular deposits are the most common reason applications do not proceed.
Time in business matters, but the bar is lower than banks. Many revenue-based funders consider businesses with several months of operating history, provided deposits are consistent. Banks often want two years.
Credit is reviewed but weighted less. MFE considers personal credit from 500, and stronger credit generally improves the amount, cost and term. Recent defaults on other business financing, open tax liens or bankruptcies can weigh more heavily than the score itself.
Existing obligations affect capacity. Funders total the payments already leaving your account, including other advances, loans and equipment notes. If those consume a large share of deposits, offers will be smaller, or a buyout of up to $100K or a structured second position may be suggested instead.
Industry and use matter at the margins. Some funders restrict or apply tighter terms to certain industries. A clear, short-term use with visible payback, such as inventory or a repair, is easier to approve than an open-ended request.
Sole proprietors, LLCs and corporations can all qualify. Through MFE, one application reaches multiple funders with different criteria.
Business type affects qualification as well. Businesses with recurring revenue, such as subscription services, maintenance contracts or memberships, often present the most predictable deposits. Project-based businesses can qualify too, but should provide context about project timing.
Finally, qualification is not static. A business that does not qualify today can often qualify in a few months by depositing all revenue, avoiding negative days and reducing existing obligations.
Here is an offer for a business that meets typical revenue-based criteria. Illustrative numbers.
| Amount funded | $75,000 |
| Factor rate | 1.25 |
| Total payback (amount × factor) | $93,750 |
| Fees deducted at funding (3%) | $2,250 |
| Net cash you receive | $72,750 |
| Weekly payment over 44 weeks | $2,131 |
| Same total as daily debits (~220 business days) | $426/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Monthly deposits | Steady, consistent |
| Number of deposits | Several per month preferred |
| Average daily balance | Shows cushion |
| Credit | Considered from 500 |
| Existing obligations | Reduce capacity |
Good fit:
Probably not yet:
Businesses with steady deposits over several months and manageable existing obligations.
Options begin at 500.
Many funders consider several months of consistent deposits.
Yes, they reduce capacity for new funding.
Yes, with a business bank account and deposits.
Very small or irregular deposits and frequent 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