One-time need → lump sum; recurring gaps → line of credit; equipment → equipment financing; slow-paying invoices → factoring.
Check my optionsFinancing options
The right type of financing follows from three diagnostic questions: is the need one-time or recurring, how long until it pays back and what can you document today? The answers point to a product family before you look at any specific offer.
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.
Your file goes to funders that fit it, so offers can be compared.
You can apply at 500; stronger credit opens more products.
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.
One-time or recurring? A single equipment purchase, a renovation or a specific inventory order is one-time and fits a lump-sum product. Recurring needs, such as covering payroll every slow month or financing receivables every cycle, fit revolving products like lines of credit or ongoing factoring. Using a lump sum for a recurring need often leads to repeated renewals.
How long until it pays back? Weeks to a few months points to short-term capital such as a merchant cash advance or short-term loan. One to five years points to equipment financing or term loans. Five years or more points to SBA or real estate financing. Matching term to payback keeps payments aligned with the cash the investment produces.
What can you document? Two or more years of tax returns, solid financial statements and strong credit open bank and SBA products. A year of history with moderate credit opens many online loans and lines. Several months of steady deposits and credit from 500 open revenue-based products. Strong commercial customers open factoring regardless of your own credit.
Put the answers together. A recurring need with documented financials suggests a line of credit; a one-time, short-payback need with limited documentation suggests revenue-based funding; a long-lived asset suggests equipment financing; a property purchase suggests SBA 504 or a commercial mortgage.
Then compare offers within that family on total cost and payment fit. MFE can show revenue-based, line-of-credit and second-position options from multiple funders with one application, so you see which fit your diagnosis.
Revisit the diagnosis as the business grows; the right product at six months in business is often different from the right one at three years.
Here is an offer for a one-time, short-payback need with limited documentation. Illustrative numbers.
| Amount funded | $25,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $30,000 |
| Fees deducted at funding (5%) | $1,250 |
| Net cash you receive | $23,750 |
| Weekly payment over 48 weeks | $625 |
| Same total as daily debits (~240 business days) | $125/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Recurring + documented | Line of credit |
| One-time + short payback | Revenue-based or short-term loan |
| Long-lived asset | Equipment financing |
| Property or major build-out | SBA 504 / term loan / mortgage |
| Slow B2B receivables | Factoring |
Good fit:
Probably not yet:
Ask whether the need is one-time or recurring, how long it takes to pay back and what you can document.
Lines of credit or ongoing factoring.
Revenue-based funding or short-term loans.
Equipment financing matched to asset life.
Revenue-based options rely on deposits and consider credit from 500.
Yes, as history and credit improve, cheaper products open up.
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