Cover the costs that come before revenue — inventory, payroll for new work, deposits on contracts — and repay as that revenue lands.
Check my optionsCash flow
Working capital is the cash that keeps daily operations running: buying stock, paying staff, covering rent while customers pay. Used deliberately, extra working capital lets a business take on bigger orders, negotiate better supplier terms and grow without stalling.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
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.
Bigger orders. Many businesses turn down large orders because they cannot afford the materials or labor up front. Working capital lets you accept them. Before doing so, confirm the customer credit, the payment terms and the margin, because a large order paid in 60 days ties up cash for two months.
Better supplier terms. Cash on hand can earn early-payment or volume discounts from suppliers. A 2% discount for paying within 10 days instead of 30, applied to $50,000 of monthly purchases, saves about $1,000 a month. Compare such savings with the cost of the working capital used to capture them.
Smoother operations. Adequate working capital prevents the hidden costs of being cash-tight: late fees, rush shipping, lost discounts, overtime to catch up after delays and the time owners spend juggling payments. Those savings rarely appear as a line item but add up.
Growth hiring and marketing. Working capital can cover payroll for new staff while they ramp up, or marketing campaigns before the revenue they generate arrives. Treat these as investments with payback estimates, not ongoing expenses funded by borrowing.
Revenue-based funding, a line of credit or a term loan can each supply working capital. MFE considers credit from 500 and can provide revenue-based working capital quickly; choose the product whose payment fits your cash cycle.
Here is working capital used to accept a larger order. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.35) | $101,250 |
| Term | ~36 weeks |
| Payment per week | $2,812 |
| Monthly payment the project must cover | $12,178 |
| Your estimate of added monthly profit | $30,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Accept larger orders | Check customer credit and terms |
| Early-payment discounts | Compare savings with funding cost |
| Avoid cash-tight costs | Late fees, rush shipping, overtime |
| Ramp new hires | Payroll before contribution |
| Pre-fund marketing | Spend before revenue arrives |
Good fit:
Probably not yet:
It lets you accept larger orders, capture discounts and operate without cash-tight costs.
When the discount exceeds the cost of the funds used.
Customer credit, payment terms and margin.
Yes, during their ramp-up period, with a payback estimate.
Revenue-based funding, lines of credit or term loans, depending on profile and need.
Late fees, rush shipping, lost discounts and overtime.
Enough to cover several weeks of fixed costs plus the cash tied up in your next growth step.
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