Working capital funds daily operations; investment capital funds long-term assets. Use short-term money for the first, longer-term money for the second.
Check my optionsCash flow
Working capital funds the daily cycle of operations; investment capital funds long-lived assets and expansion. Mixing them up, especially paying for long-term investments with short-term working capital, is one of the most common causes of cash strain.
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.
A human reads the file, not just an algorithm score.
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.
Working capital covers recurring, short-cycle needs: inventory that will sell within weeks or months, payroll while receivables are collected, supplier payments and seasonal swings. Its payback happens within the business operating cycle, so short-term products such as lines of credit, revenue-based funding or short-term loans fit it.
Investment capital covers assets and projects that produce returns over years: equipment, vehicles, real estate, build-outs, new locations, major technology systems and acquisitions. Because the return comes slowly, it fits long-term products such as equipment financing, term loans, SBA 7(a) and 504 loans or equity.
Mismatches cause trouble in both directions. Funding a five-year equipment purchase with a six-month advance means large, frequent payments long before the equipment pays for itself. Funding a seasonal inventory gap with a five-year loan means paying interest long after the inventory sold. Matching the term to the payback period keeps payments aligned with the cash the use produces.
Some needs mix both. Opening a second location includes investment capital for the build-out and equipment, plus working capital for opening inventory, pre-opening payroll and the ramp-up period. Fund each portion with the appropriate product rather than one lump sum.
Review your current financing with this lens. If short-term payments are funding long-lived assets, consider refinancing into a longer-term product when you qualify, or using a buyout of up to $100K or a structured second position to ease the payment schedule.
MFE considers credit from 500 and focuses on the working capital side, with offers sized to short-cycle needs.
Here is working capital sized to a short-cycle need. Illustrative numbers.
| Funding for the project | $125,000 |
| Total payback (factor 1.38) | $172,500 |
| Term | ~40 weeks |
| Payment per week | $4,312 |
| Monthly payment the project must cover | $18,673 |
| Your estimate of added monthly profit | $12,000 |
| Verdict | Does not pay back in time — reduce the amount or rethink |
Illustrative. Replace the estimate with your own numbers before applying.
| Purpose | Daily cycle vs. long-lived assets |
| Payback | Weeks to months vs. years |
| Typical products | Line, revenue-based, short-term vs. equipment, term, SBA |
| Common mistake | Short-term money for long-term assets |
| Mixed needs | Split and match each portion |
Good fit:
Probably not yet:
Working capital funds daily operations; investment capital funds long-lived assets and expansion.
For small items with fast payback, sometimes; larger equipment fits equipment financing.
Payments arrive before the asset produces enough cash.
Split it: long-term loans for build-out, working capital for opening costs.
Refinance into longer terms when possible, or restructure with a buyout or second position.
Revenue-based options begin at 500.
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