Example: $50,000 at a 1.30 factor = $65,000 total payback; at $1,300 a week, that is 50 weekly payments. Fees deducted up front lower net funding.
Check my optionsFinancing options
The clearest way to understand revenue-based financing is to follow one deal through the numbers: how the amount is sized, what the total repayment is, how payments are collected and how long it takes when sales rise or fall.
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.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
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.
Sizing. Suppose a business deposits an average of $60,000 a month with steady activity and no negative days. A funder might offer a first round equal to a fraction of one month of deposits, for example $45,000, depending on credit, existing obligations and industry. MFE considers credit from 500, with stronger credit generally improving the offer.
Total repayment. If the agreement uses a 1.30 factor, the business repays $45,000 x 1.30 = $58,500. This total is fixed at signing. Any fees deducted at funding reduce the cash received; a 2% fee would mean $44,100 received while $58,500 is repaid. Always compare offers on net cash received and total repayment.
Collection. Under a percentage structure, the funder collects, for example, 10% of daily sales. On $2,000 of sales the payment is $200; on $1,200 it is $120. Under a fixed structure, the funder estimates a payment from average revenue, for example $460 per business day, and the agreement may allow reconciliation to actual receivables if sales fall.
Timeline. At 10% of $60,000 a month, the business remits about $6,000 a month, finishing the $58,500 in roughly ten months. If sales rise to $75,000 a month, payments rise and the term shortens; if sales drop to $45,000, payments fall and the term lengthens. With fixed payments, the term is set unless reconciliation is applied.
Early payoff. Some agreements, including some offered through MFE, give discounts for early payoff at 30, 60 or 90 days. If the business can pay off sooner, ask how much the total falls under each option.
Here is the worked example expressed as an offer breakdown. Illustrative numbers.
| Amount funded | $50,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $60,000 |
| Fees deducted at funding (3%) | $1,500 |
| Net cash you receive | $48,500 |
| Weekly payment over 32 weeks | $1,875 |
| Same total as daily debits (~160 business days) | $375/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Average monthly deposits | $60,000 |
| Amount funded | $45,000 (illustrative) |
| Factor and total repayment | 1.30 x $45,000 = $58,500 |
| Collection | 10% of sales or fixed estimated payment |
| Approximate term | About 10 months at average sales |
Good fit:
Probably not yet:
On average monthly deposits, credit, existing obligations and industry.
Amount funded multiplied by the factor.
Fees deducted at funding reduce net cash received while repayment stays the same.
Percentage payments shrink; fixed payments may be reconciled to actual receivables.
It depends on sales under a percentage structure; it is set under a fixed structure.
Some agreements offer discounts at 30, 60 or 90 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