Online ordering, payments, automation and AI tools; fund them when they cut costs or lift sales quickly.
Check my optionsRunning the business
Small businesses cannot chase every trend. The ones worth budgeting for are those that already have affordable, proven tools and measurable effects: AI-assisted workflows, cloud accounting and payments, online ordering and scheduling, cybersecurity basics and data from the systems you already use.
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 human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
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.
AI-assisted workflows have moved from experiment to everyday tool. Drafting customer emails, summarizing calls, answering common questions, categorizing expenses and creating first drafts of marketing content are now built into many platforms small businesses already pay for. The budget impact is often small, but staff time saved can be significant. Keep a person reviewing anything customers see.
Cloud accounting, embedded payments and faster invoicing continue to shorten collection cycles. Tools that let customers pay invoices online by card or ACH, and that sync automatically with your books, reduce days sales outstanding and bookkeeping hours. This trend has one of the clearest cash-flow benefits.
Online ordering, booking and self-service are now customer expectations in many industries. Restaurants, salons, clinics, home services and retailers that let customers order, book or reschedule online capture sales outside business hours and reduce phone time.
Cybersecurity basics are no longer optional. Multi-factor authentication, regular backups, updated devices and staff training against phishing protect against losses that can be devastating for small firms. The cost is modest compared with the potential damage.
Use the data you already have. Point-of-sale, scheduling and accounting systems already contain insights on best products, peak hours and customer retention. Reviewing them monthly often delivers more value than buying new tools.
Budget recurring subscriptions from operations and consider financing only one-time implementation or hardware costs with clear payback. MFE considers credit from 500 for those projects.
Here is short-term funding for a one-time technology implementation. Illustrative numbers.
| Funding for the project | $100,000 |
| Total payback (factor 1.28) | $128,000 |
| Term | ~52 weeks |
| Payment per week | $2,462 |
| Monthly payment the project must cover | $10,658 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| AI-assisted workflows | Staff time saved |
| Cloud accounting and online payments | Faster collections |
| Online ordering and booking | Sales outside business hours |
| Cybersecurity basics | Avoided losses |
| Using existing data | Better decisions at low cost |
Good fit:
Probably not yet:
AI-assisted workflows, online payments, online ordering, cybersecurity and better use of existing data.
Many AI features are now built into tools businesses already use.
Online invoicing and payments that speed collections.
Basic protections are inexpensive compared with potential losses.
Pay subscriptions from operations; finance one-time costs with clear payback.
Start with a specific problem and a measurable result.
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