Fund the bottleneck that limits sales today. If $1 of capital returns more than its cost within the term, it is a good use.
Check my optionsGrowth
Capital generates revenue when it is invested in something that produces more gross profit than it costs, within a time frame that matches the funding. A simple framework helps compare options and avoid investments that only look productive.
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.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
Advances, lines of credit and second-position options in one place.
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.
For each possible use of capital, write down four numbers: the amount invested, the added gross profit per month once it is working, the months until it reaches that level and the total cost of the funding. Gross profit matters more than revenue, because revenue that carries high direct costs may add little to the bottom line.
Calculate a payback period: the amount invested plus funding cost, divided by added monthly gross profit, plus the ramp-up months. An inventory purchase might pay back in two months; a new hire in four to six; a new location in a year or more. Rank options by payback and by how certain the estimate is.
Prefer investments with evidence. Expanding what already sells, adding capacity where you turn away work or reducing a cost you already pay are more predictable than new products or markets. Use borrowed capital for the predictable options and fund uncertain experiments from profit in smaller amounts.
Match funding to payback. Short-payback uses fit short-term capital such as a merchant cash advance; longer payback uses fit term loans, SBA loans or equipment financing. A mismatch, such as funding a twelve-month payback with a six-month advance, squeezes cash even if the investment eventually works.
Track actual results against the estimate and adjust. MFE considers credit from 500 and offers can be sized to the specific investment, with early-payoff discounts at 30, 60 or 90 days on some agreements rewarding faster-than-expected results.
Here is capital applied to a short-payback use, with the numbers. Illustrative numbers.
| Funding for the project | $60,000 |
| Total payback (factor 1.40) | $84,000 |
| Term | ~36 weeks |
| Payment per week | $2,333 |
| Monthly payment the project must cover | $10,103 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Amount invested | Including related costs |
| Added monthly gross profit | Once fully working |
| Ramp-up months | Until it reaches that level |
| Funding cost | Total dollars |
| Payback period | (Amount + cost) / monthly gross profit + ramp |
Good fit:
Probably not yet:
Invest in uses that add more gross profit than they cost within the funding term.
Revenue with high direct costs may add little profit.
(Amount invested + funding cost) / added monthly gross profit, plus ramp-up time.
Expanding what already sells, adding capacity for turned-away work and cutting existing costs.
A mismatch strains cash even when the investment works.
Yes, compare actual results with the estimate.
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