Payroll stress, missed supplier discounts, orders you cannot fill, overdrafts and growth you have to pass on.
Check my optionsCash flow
Some cash problems are best solved with capital; others are symptoms of pricing, cost or collection issues that capital would only hide. Telling them apart prevents borrowing for the wrong reason.
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.
Approved files are usually funded the next business day.
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.
Signs that capital is the right tool: you are turning down orders because you cannot afford materials or inventory up front; a seasonal peak requires stock and staff before revenue arrives; a large customer pays in 45 or 60 days while your costs are due now; a key piece of equipment has failed and is costing sales every day; or a time-limited opportunity, such as a supplier discount or a competitor closing, has clear payback.
Signs that something else needs fixing first: you are borrowing every month to cover the same recurring expenses; gross margins have been falling; customers routinely pay late and nobody follows up; inventory is piling up while sales are flat; or the business only reaches positive cash flow by not paying the owner. Capital in these cases buys time but usually deepens the problem.
A simple test helps: can you name the specific event or result that will repay the funding, and roughly when? If yes, capital is likely a bridge. If you cannot, look first at pricing, costs, collections or inventory, and consider borrowing only for a specific fix.
Timing also matters. Applying while statements are strong, before a crisis, generally produces better offers than applying after several weeks of negative balances. If the signs point to a real capital need, prepare documents early.
MFE considers credit from 500 and can fund timing gaps, inventory and equipment needs quickly once the need is clear.
Another useful signal is the cost of saying no. If you can name specific orders, contracts or discounts you declined in the last quarter for lack of cash, and estimate the profit they would have produced, you have a concrete basis for deciding whether capital would have paid for itself.
Here is capital sized for a clear timing gap. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.35) | $33,750 |
| Term | ~44 weeks |
| Payment per week | $767 |
| Monthly payment the project must cover | $3,321 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Turning down orders for lack of materials | Capital |
| Seasonal stock before revenue | Capital |
| Large customer pays slowly | Capital or factoring |
| Borrowing monthly for same expenses | Fix pricing or costs |
| Falling margins or slow collections | Fix operations first |
Good fit:
Probably not yet:
Turning down orders, seasonal buildup, slow-paying customers, equipment failures and time-limited opportunities.
When it covers recurring losses, falling margins or unmanaged collections.
Name the event that repays the funding and when.
While statements are strong, before a crisis.
Factoring or working capital can bridge, but collections processes need fixing too.
Revenue-based options begin at 500.
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