Your deposits make the case, not just your score. Built for established businesses doing $60K or more a month.
Get my answerRevenue-based financing
Revenue-based financing from $25,000 to $5,000,000, through our partner, Merchant Fund Express. Repaid as a share of deposits, with the total cost set before you sign.
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.
Five-minute application and about three months of bank statements. No tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered. We start with a soft pull, and your monthly deposits carry real weight in the review.
Your offer shows the full repayment amount before you accept. Nothing gets added after you sign.
How payments work is spelled out in your offer, so you know the schedule before you commit.
Revenue-based financing gives your business a lump sum now. You repay it from future revenue, usually as a share of your deposits or sales, until a total amount agreed up front is paid back. That total cost is fixed when you sign, so you know the full number before you take a dollar. There is no rate that floats and no surprise balloon at the end.
Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.
Banks lean hard on credit score, years of tax returns and collateral. Revenue-based financing leans on cash flow. If money moves through your account every month, that is the main story a funder reads.
| What gets looked at | Typical bank loan | Revenue-based financing |
|---|---|---|
| Credit score | Often the first filter | Reviewed, FICO 500+ considered |
| Tax returns | Usually required | Not required |
| Bank statements | Part of a large package | About three months, central to the decision |
| Speed | Weeks, sometimes months | As little as 24 hours for qualified businesses |
Most agreements collect a set share of revenue on a regular schedule, often daily or weekly, straight from the business account. Some are structured as a fixed remittance based on your average deposits. Read which one you are signing. Ask two questions before you agree:
If the answers are clear and the payment fits your margins, you are in good shape. If they are fuzzy, stop and ask again.
Established businesses doing $60K or more a month whose credit is not perfect. Think a family restaurant with a 580 score after a rough year, a plumbing shop with two trucks and one old tax lien that slowed down the bank, or a clinic that grew faster than its credit file. Sole proprietors can apply too.
It is not built for startups with no revenue. If deposits are not there yet, this is the wrong tool.
Need something you can draw from again and again instead? Compare a business line of credit, or read revenue-based financing vs MCA.
The application takes about 5 minutes and starts with a soft credit pull. Have about three months of business bank statements ready. You will get a straight answer on what your revenue supports, not a runaround.
It is usually structured as an advance against future revenue rather than a traditional loan. You receive a lump sum and repay a fixed total from your deposits or sales.
Yes, it is reviewed, but it is one factor. FICO 500+ is considered, and your monthly deposits carry a lot of the weight.
No. Funding and credit repair are separate services. You can apply for funding based on revenue now and work on your credit separately if you choose.
Amounts run from $25,000 to $5,000,000. What you qualify for depends mainly on your monthly deposits and the obligations you already carry. See how much can I borrow.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
A few plain steps can make your file read stronger.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding