Understand total payback vs. rate, payment frequency, holdback and how deposits are reviewed. Knowing these four terms protects you from expensive offers.
Check my optionsRunning the business
You do not need a finance degree to borrow well. You need a handful of concepts that change how you read an offer and decide whether it fits.
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.
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.
First, know the difference between revenue, profit and cash flow. A business can be profitable on paper and still run out of cash if customers pay slowly or a big purchase lands at the wrong time. Funding decisions should be built around cash flow, because that is what pays the debit each day or week.
Second, learn how cost is expressed. Bank loans use interest rates; merchant cash advances and many revenue-based products use a factor rate, where the amount funded times the factor equals the total you repay. A 1.30 factor on $50,000 means $65,000 repaid, regardless of how quickly you pay, unless the contract offers an early-payoff discount.
Third, understand the structure: how often payments are collected, whether they adjust with sales, what counts as a default, and what renewal means. Reading one contract slowly with these questions in mind teaches more than most books, and it protects you from the most expensive mistakes.
Free resources can deepen that knowledge. SBA learning modules, SCORE mentors and Small Business Development Centers offer workshops on cash flow, pricing and financing that are tailored to small businesses and cost nothing.
Here is a factor-rate offer translated into the numbers that matter. Illustrative only.
| Funding for the project | $150,000 |
| Total payback (factor 1.25) | $187,500 |
| Term | ~52 weeks |
| Payment per week | $3,606 |
| Monthly payment the project must cover | $15,613 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Cash flow vs. profit | Cash pays the debit, not profit |
| Factor rate | Amount × factor = total payback |
| Net funding | Amount minus fees deducted |
| Payment frequency | Daily, weekly or monthly |
| Renewal | New funding before the old is paid |
Good fit:
Probably not yet:
Cash flow: whether the business has enough cash on the payment days, not just enough profit over the year.
A factor rate sets a fixed total payback up front; interest accrues over time on the balance.
Net cash, total payback, payment size and frequency, early-payoff terms and renewal terms.
SBA learning centers, SCORE mentors and state small-business development centers offer free guidance.
It helps for large amounts, but you can compare most offers yourself using the five key numbers.
Reading your own bank statements the way an underwriter would, looking at deposits, balances and recurring debits.
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