Speed collections, stretch payables responsibly, trim inventory and keep a line of credit for timing gaps.
Check my optionsCash flow
Working capital strategy is about managing three cycles at once: how fast customers pay you, how long inventory sits and how long you take to pay suppliers. Small changes in each, plus a clear plan for outside funding, can free a surprising amount of cash.
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.
Your file goes to funders that fit it, so offers can be compared.
Advances, lines of credit and second-position options in one place.
Net cash, total payback and payment shown before you sign.
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.
Shorten the receivables cycle. Invoice immediately on delivery, offer card and ACH payment options, require deposits for custom or large orders and set a consistent follow-up schedule for overdue accounts. For B2B businesses with reliable customers who pay slowly, factoring can convert invoices to cash when needed. Each day cut from average collection time frees cash permanently.
Shrink the inventory cycle. Identify slow-moving items and reduce or clear them. Set reorder points based on actual sales velocity and supplier lead times rather than habit. Consider consignment or drop-shipping for low-volume items. Inventory turnover improvements release cash without any change in sales.
Extend the payables cycle responsibly. Use the full payment terms suppliers offer, negotiate longer terms once you have a reliable payment history and weigh early-payment discounts against the value of keeping cash. Do not stretch payables to the point of damaging supplier relationships; reliable suppliers are a form of working capital.
Build a reserve and a standby plan. Keep several weeks of fixed costs in a separate account, and decide in advance which outside source you would use for a gap: a line of credit for recurring swings, revenue-based funding for one-time needs, factoring for receivables-heavy businesses.
Review the three cycles monthly with a simple dashboard: days sales outstanding, days inventory outstanding and days payables outstanding. The cash conversion cycle, DSO plus DIO minus DPO, summarizes how many days of operations you are financing.
MFE considers credit from 500 and can supply standby working capital when the plan calls for it.
Here is standby working capital for a one-time gap. Illustrative numbers.
| Funding for the project | $75,000 |
| Total payback (factor 1.30) | $97,500 |
| Term | ~32 weeks |
| Payment per week | $3,047 |
| Monthly payment the project must cover | $13,193 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Days sales outstanding (DSO) | Shorten with invoicing and follow-up |
| Days inventory outstanding (DIO) | Shorten with leaner reorder points |
| Days payables outstanding (DPO) | Extend responsibly |
| Cash conversion cycle | DSO + DIO - DPO |
| Standby funding plan | Line, revenue-based or factoring |
Good fit:
Probably not yet:
Shorten receivables and inventory cycles, extend payables responsibly and keep a reserve and standby plan.
DSO plus DIO minus DPO, the days of operations you finance.
Use full terms but avoid damaging relationships.
For B2B businesses with reliable but slow-paying customers.
Monthly.
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