Business funding · Merchant Cash Advance / Revenue-Based Funding
Funding underwritten on deposits rather than credit score.
These programs look at bank statements first. That makes them reachable with a thin or damaged credit file, and it makes them fast, but the trade-off is cost: revenue-based funding is generally the most expensive option on this page.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $20,000 to $50,000,000
- Term
- 3 to 18 months
- Typical credit
- 580, and some programs have no minimum
- Time in business
- 3 to 6 months
- Revenue
- $10,000+ per month
- Typical speed
- As fast as 24 hours
- Collateral
- No collateral pledged.
Revenue-based products are typically the most expensive category. Compare the total cost against a term loan before proceeding.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
Revenue-Based Funding
Compare 2 partners in one step
Answer the pre-qualification questions once and see each of these partners side by side, with the differences spelled out.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
Credit score is not the gate
Deposit history carries the file, so lower scores are workable.
Repayment follows sales
Some structures flex with volume rather than holding a fixed payment.
Fast turnaround
Decisions can come back within a business day.
Fit
Best for
- Businesses with steady deposits and a weaker credit profile
- Situations where speed matters more than price
- Short, self-liquidating uses with a clear payback
Uses
Common use cases
- Bridging a receivable gap
- Taking on a job that requires materials up front
- Covering payroll during a slow collection cycle
Partners
Every partner that offers this product
They are not interchangeable. Compare how they differ, then choose where to apply.
Loanable
Loanable (Nextgen Capital Solutions)
One application, 100+ lenders, funding as fast as 24 hours.
Full marketplace covering both business and real estate products.
Opens Loanable's own application. They underwrite the file and set every term.
Funding Vault
Funding Vault / Impruvu
Broad marketplace across business and real estate.
Broad business and real estate marketplace: lines of credit, revenue-based funding, hard money, commercial, and DSCR.
Opens Funding Vault's own application. They underwrite the file and set every term.
Not sure which one fits? Run the pre-qualification form and we will show you only the partners your profile matches.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.