Budget the payment against your slowest month, not your average one, and keep a cushion of at least two weeks of payments in the account.
Check my optionsFinancial management
A funding payment is a fixed outflow that arrives on schedule whether sales are strong or slow. A budget built around that schedule is what keeps the advance or loan working for you instead of against you.
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.
You can apply at 500; stronger credit opens more products.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
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.
Start from the payment frequency, not the monthly total. A daily debit of $250 and a weekly debit of $1,250 cost the same over a month, but they stress cash differently. Map your typical deposits by day of the week and check that the account balance stays positive on every collection day, including your slowest day of the slowest week.
Next, rank expenses into three tiers: must-pay (payroll, rent, taxes, the funding payment, key suppliers), flexible (marketing, non-urgent repairs, owner draws) and deferrable (upgrades and nice-to-haves). When a slow week arrives, you cut from the bottom tiers first and never let a must-pay item bounce. A returned funding payment usually triggers fees and can lead to a default notice, so it belongs in the top tier.
Finally, keep a cash buffer equal to at least two weeks of funding payments. Build it from the first deposits after funding if needed. A buffer turns a bad week into an inconvenience rather than a crisis, and it is the habit funders notice most when you apply for a renewal, because it shows up as steady balances with no negative days.
Here is a typical offer, so you can see the payment size you would budget around. Illustrative numbers.
| Funding for the project | $60,000 |
| Total payback (factor 1.25) | $75,000 |
| Term | ~40 weeks |
| Payment per week | $1,875 |
| Monthly payment the project must cover | $8,119 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Must-pay | Payroll, rent, taxes, funding payment |
| Must-pay | Key suppliers and utilities |
| Flexible | Marketing, owner draws |
| Deferrable | Upgrades, non-urgent purchases |
| Reserve | Two weeks of payments in cash |
Good fit:
Probably not yet:
Weekly. Daily and weekly debits need a weekly view so you see the low points that a monthly total hides.
At least two weeks of funding payments; a month is better for seasonal businesses.
Contact the funder before the payment fails. Many revenue-based agreements allow a reconciliation or adjustment when sales fall.
Yes, but treat owner draws as flexible and reduce them first in slow weeks.
Yes. Steady balances and no returned payments are exactly what funders look for at renewal.
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