Complete-file reviewWeekly or bi-weekly12–14 months when qualified

Emergency business funding for a deadline that will not wait.

When payroll, an equipment repair, inventory, or a signed contract creates a short cash window, revenue-based financing can move faster than a bank process. Our program uses weekly or bi-weekly payments and can extend the repayment runway to 12–14 months for qualified files, with longer structures reviewed only in highly qualified situations.

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Product transparency

Fast capital, accurately described.

Revenue-based financing is commercial financing measured against business revenue. Depending on the contract, it may be structured as a purchase of future receivables and can share important characteristics with a merchant cash advance. It is not made safer by a new label. The useful differences are written into the offer: payment frequency, repayment window, total dollar cost, reconciliation rights, position, guarantees, liens, and prepayment treatment.

Compare RBF and MCA term by term

Looking for MCA funding? Explore our merchant cash advance program. It has its own screens; it does not replace the requirements or position limits of the RBF program described here.

Use cases

Four emergencies that can support a responsible review.

Payroll before receivables clear

A documented receivable or predictable deposit cycle may support the gap. Financing should not substitute for a business that loses money every payroll cycle.

Revenue-producing equipment is down

A repair that restores revenue can have a measurable payback. Equipment financing may be cheaper when the asset and timing qualify.

Inventory has a short purchase window

The margin, sell-through period, and historical deposits should support the financing cost before the order is placed.

A signed contract needs mobilization

Materials and labor may be funded before the first customer payment, provided the operating account can carry the scheduled remittance.

Usable cash before headline amount

A $100,000 approval may leave $75,000 for the emergency.

Build a closing flow of funds before accepting an offer. This hypothetical example pays off one obligation and leaves another disclosed obligation open. It is not a quote, eligibility result, or promise that this structure will be available.

A $100,000 approval may leave $75,000 for the emergency.
Closing item	Illustrative amount	What it means
Gross financing	$100,000	Starting amount before deductions
Fees withheld at closing	−$3,000	Assumed upfront charges; ask for every fee
Verified payoff sent to an existing provider	−$22,000	Retires that obligation only when payment and release are confirmed
Net proceeds for the business	$75,000	$100,000 − $3,000 − $22,000
Documented emergency cash need	$80,000	The example still has a $5,000 cash gap
New total scheduled payback	$130,000	Assumed 52 weekly payments of $2,500; not an APR

The new financing requires $130,000 in scheduled payments plus the $3,000 withheld fee: $33,000 above the $100,000 gross amount in this example. The $22,000 payoff retires old debt; it is not new financing cost or cash available for payroll. Do not compare $130,000 with $75,000 as though the entire difference were a new fee. Add any other applicable costs and compare required disclosures and the actual contract. A longer schedule alone does not establish lower cost or affordability.

Does the combined payment fit a slow week?

After payroll, taxes, rent, suppliers, and other operating costs, suppose $5,500 remains in a normal week and $3,500 in a slow week. These are cash amounts, not gross revenue. The obligation paid off above is excluded from future payments; one other disclosed obligation remains.

Does the combined payment fit a slow week?
Weekly cash-flow item	Normal week	Slow week
Cash available before financing payments	$5,500	$3,500
Remaining existing financing payment	−$1,500	−$1,500
Proposed new weekly payment	−$2,500	−$2,500
Cash left after combined $4,000 payments	$1,500	−$500 shortfall

The slow week does not support the proposed burden. A longer term does not cure the $5,000 initial cash gap either. Reduce the need, change the proposed structure, or review another route before committing. If an obligation debits daily, map its actual business-day debits alongside the new weekly or every-two-week schedule; a monthly average can conceal an overdraft.

Document-ready review

Make the deadline reviewable in three steps.

Name the payment and the last usable date
List each bill, its due date, available unrestricted cash, and the smallest amount that resolves the gap. Include a repair estimate, purchase order, payroll summary, or signed contract. Tell the desk if the payee can accept a deposit or revised schedule.
Send a complete, consistent file
Provide six full recent bank statements, current month activity if requested, ownership identification, the latest business tax return, and a debt schedule. Attach every current financing agreement, payment cadence, dated payoff, and explanation of returned items or unusual deposits. Use the desk's secure process for documents.
Separate review from cash availability
A complete file may receive an initial review in 1–3 business days. This is not a closing or deposit deadline. Underwriting, ownership and bank verification, payoff or lien work, signed documents, and disbursement processing can extend timing. Confirm when funds are usable before promising a vendor payment.

Request a fast funding review

Get the adjustment and lien terms in writing.

For any second-position request, disclose every obligation and obtain any consent required by the existing agreement. The desk must review lien priority, restrictions on additional financing, and combined payments. This RBF program considers first or second position only; do not add undisclosed financing or a third position. A payoff is not complete until the required payment and release steps are verified.

Confirm the gross amount, net deposit, all withheld and separately billed fees, total payback, first debit date, payment amount, and frequency.
If the contract provides reconciliation or payment adjustment, ask what receipts count, how to request it, which records are required, when it takes effect, and whether catch-up payments follow. A fixed debit does not automatically fall when sales decline; do not budget on an unapproved reduction.
Review personal guarantees, collateral and UCC filings, default provisions, prepayment treatment, and any applicable cost disclosures. A factor multiple is not an APR, and early payoff does not automatically reduce the purchased amount.

What the fast review needs.

Six complete recent business bank statements
Consistent operating deposits and enough remaining cash after obligations
A specific business use with a measurable timing gap or return
A complete debt schedule, including every MCA or sales-based position
Current identification, ownership details, and the latest business tax return
For this program: generally 5+ years in business, $1M+ average monthly deposits, and 650+ owner FICO

When emergency financing is the wrong answer.

The business needs new money every month to cover the same operating loss
The proposed payment leaves no room for payroll, taxes, rent, or a slow week
Existing positions or bank withdrawals are being omitted from the application
A cheaper product can meet the deadline without sacrificing the opportunity
The request is for personal use rather than a documented business purpose

Options and qualification

Use the route that matches the file and the deadline.

Short-term revenue-based financing

Generally 5+ operating years, $1M+ average monthly deposits, and 650+ owner FICO. Deposits, conduct, cash flow, and position require review; meeting a floor is not approval.

Working capital and bad-credit alternatives

The Main Street screen starts at one operating year, $50K annual revenue, and 640 credit, subject to program review. Below the applicable credit floor, ask about asset-backed options or readiness steps; no no-credit-check approval is promised.

Small business line of credit

Consider a line for recurring timing gaps if qualification and setup fit the deadline. Review draw availability, fees, repayment, and renewal terms; an application is not available cash.

Replace existing obligations

If current withdrawals are the emergency, review verified payoffs and the replacement burden rather than adding another position. A lower payment alone does not establish a lower total cost.

FAQ

Emergency funding questions

Is this a same-day business loan?

No. This is not advertised as a guaranteed same-day loan. A complete file may receive an initial decision in one to three business days, but funding depends on verification, underwriting, documents, approval, and closing.

Is revenue-based financing a loan?

Not necessarily. Some contracts are structured as purchases of future receivables rather than loans. Regulators and commercial-financing disclosure laws may still treat sales-based financing as business credit or require comparable cost disclosures. Read the actual agreement, not only the product name.

Can the repayment period really reach 14 months or longer?

Qualified files may receive 12–14 month structures. A term beyond 14 months is reviewed case by case for highly qualified businesses and should never be assumed before a written offer.

Does bad credit automatically disqualify the business?

This program weighs deposits and operating history, but it is not a no-credit-check product. The current program floor is generally 650 FICO, alongside the revenue, time-in-business, cash-flow, and conduct requirements.

Will the payments be daily?

Qualified Commercial's RBF program is structured with weekly or bi-weekly payments, not daily withdrawals. The executed agreement controls, so verify the exact cadence and amount before signing.

Can I use it to add another position behind existing MCAs?

Every position must be disclosed. The program considers first or second position and does not market a third-position stack. If the real need is to replace existing advances, begin with an MCA refinance or consolidation review.

How much emergency business cash will reach my account?

Ask for a written flow of funds: gross financing less withheld fees, verified payoffs, and any other deductions equals net usable proceeds. Match that net amount to the actual bills. Our hypothetical $100,000 example leaves $75,000, which does not cover an $80,000 need.

Will my payment fall automatically if revenue drops?

Do not assume it will. Any reconciliation or adjustment depends on the executed agreement, evidence, request procedure, and effective date. Review the written process and model the existing scheduled debit until a change is confirmed.

What if my funding deadline is tomorrow?

Disclose that date before starting. An initial review is not a promise of usable funds by tomorrow. Ask the payee about a deposit or extension, check already available credit, and compare other documented options. Do not commit money you have not received.

Official resources used for the product-language and comparison framework

These resources explain general product categories and disclosures. The contract and applicable law control each transaction.

Put the emergency on a timeline before putting financing on the account.

Tell the desk what must be paid, when it is due, what restores or creates revenue, and what deposits already support the request.