It shows cash from operations, investing and financing. It reveals whether profit turns into cash — the same question funders answer with bank statements.
Check my optionsFinancial management
The statement of cash flows shows where cash actually came from and where it went over a period, split into operating, investing and financing activities. It explains why profit and cash differ and is one of the core reports banks review.
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.
Your file goes to funders that fit it, so offers can be compared.
Existing balances of $100,000 or less can be bought out.
Approved files are usually funded the next business day.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Operating activities start with net income and adjust for non-cash items such as depreciation, then for changes in working capital: increases in receivables and inventory reduce cash, increases in payables add cash. The result shows whether the core business generates cash. Consistently positive operating cash flow is a strong signal to lenders.
Investing activities capture purchases and sales of long-term assets: equipment, vehicles, property and sometimes investments. Large outflows here are normal for growing businesses, but lenders want to see whether they were funded from operations or from borrowing.
Financing activities record money borrowed and repaid, owner contributions and distributions. A business whose cash rises mainly because of new borrowing, while operating cash flow is negative, is a concern; one that funds growth partly from operations and partly from debt is generally healthier.
Most accounting software can generate the statement automatically from your books, using the indirect method. It is only as accurate as your bookkeeping, so categorize transactions consistently and reconcile monthly.
Banks and SBA lenders often request the statement of cash flows along with the income statement and balance sheet. Revenue-based funders, including those reached through MFE, focus on bank statements and consider credit from 500, but reviewing your own cash flow statement helps you decide how much funding the business can carry.
Read it quarterly at least. Trends in operating cash flow, especially compared with profit, reveal collection problems, inventory build-ups or margin pressure before they become crises.
Here is an offer you can compare against monthly operating cash flow. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.35) | $101,250 |
| Term | ~48 weeks |
| Payment per week | $2,109 |
| Monthly payment the project must cover | $9,134 |
| Your estimate of added monthly profit | $15,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Operating | Net income adjusted for non-cash items and working capital |
| Investing | Equipment, vehicles, property |
| Financing | Borrowing, repayments, owner money |
| Net change in cash | Sum of the three |
| Lender focus | Positive operating cash flow |
Good fit:
Probably not yet:
A report showing cash in and out over a period by operating, investing and financing activity.
Non-cash expenses, working capital changes and financing flows affect cash but not profit in the same way.
Positive operating cash flow and sensible funding of investments.
Most accounting software can, from accurate books.
Usually not; they rely on bank statements.
At least quarterly.
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