Insurance details, a cash reserve, backup suppliers, and pre-approved funding access so you can reopen fast.
Check my optionsCash flow
Most disaster plans focus on safety and data backups. The cash side matters just as much: how you will pay staff, suppliers and existing obligations if the business closes for days or weeks, and where emergency capital will come from.
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.
Your file goes to funders that fit it, so offers can be compared.
A person reviews your revenue, time in business and bank activity, often within hours.
Net cash, total payback and payment shown before you sign.
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.
Know your burn rate. Calculate how much the business spends per week when it is closed: rent, insurance, loan and advance payments, essential payroll, utilities and subscriptions. This number tells you how much reserve or emergency funding you need per week of closure, and which costs you could pause.
Build layered reserves. A cash reserve in a separate account, ideally covering several weeks of closed-business costs, is the first layer. A line of credit opened while the business is healthy is the second. Knowing which revenue-based options fit your business, and having documents ready, is the third. Funding is far easier to obtain before a disaster than after, when statements show the disruption.
Review insurance with the cash plan in mind. Business interruption coverage can replace lost income for a period after a covered event, but it often has a waiting period and requires documentation. Flood coverage may require a separate policy. Know your deductibles and keep them in the reserve calculation.
Prepare documents and contacts. Store digital copies of bank statements, tax returns, insurance policies, leases, funding agreements and equipment lists in secure cloud storage. Keep contact information for your insurer, landlord, key suppliers and every funder or lender, so you can request reconciliation or temporary modifications quickly if revenue stops.
MFE considers credit from 500 and can be part of the third layer; reviewing options before an emergency means you can move quickly if one occurs.
Here is emergency working capital a plan might identify in advance. Illustrative numbers.
| Funding for the project | $150,000 |
| Total payback (factor 1.25) | $187,500 |
| Term | ~44 weeks |
| Payment per week | $4,261 |
| Monthly payment the project must cover | $18,452 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Closed-business burn rate | Weekly costs while closed |
| Cash reserve | First layer |
| Line of credit | Second layer, opened in good times |
| Known funding options | Third layer, documents ready |
| Insurance and contacts | Interruption coverage, funder contacts |
Good fit:
Probably not yet:
Burn rate, reserves, a credit line, known funding options, insurance review and contacts.
Several weeks of closed-business costs if possible.
Funding is easier to obtain when statements are strong.
Lost income for a period after a covered event, often with a waiting period.
Statements, returns, policies, leases, funding agreements and equipment lists.
Contact funders quickly about reconciliation or modifications.
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