Short-term revenue-based financing for a decision-ready file.
From $25,000 to $10 million, sized against revenue already landing in the business account. Qualified files may receive weekly or bi-weekly payments, 12–14 month structures, and an initial review in one to three business days when documents are complete. Approval, closing, and funding still depend on underwriting and verification.
Program screen before applying: 5+ years in business, $1M+ average monthly deposits, and 650 FICO. The fast path requires six complete bank statements, the latest business tax return, a debt schedule, and guarantor documents.
Before you apply
Check the screen and prepare your RBF file.
Check initial fit for short-term revenue-based financing. Your selections are used only on this page, without being saved or sent. This is not an application, credit check or approval decision.
What supports the $1M monthly average?
For a fast short-term revenue-based financing review, explain where the money came from before marking the deposit screen complete. This program requires at least $1M in average qualifying monthly deposits across six complete months, alongside five operating years, 650 FICO and the other screens. One strong month or $1M in annual revenue does not replace that average.
- 01
Align six complete months
Use the latest six official months for every operating account, with all pages. If statement cycles end on different dates, identify the periods and let the analyst align the review. Identify the entity and account by its last four digits; explain ownership before combining another business's accounts. Partial current-month activity supplements the file rather than silently replacing a complete month.
- 02
Explain credits that are not new sales
Match transfers between your accounts on both sides so the same money is not counted twice. Separately identify loan or line draws, owner contributions, asset sales and unusual items for review. Attach the agreement or receipt and date; a worksheet label does not establish whether the analyst accepts or excludes a deposit.
- 03
Match processor payouts and reversals
Tie card and platform settlements to the bank deposit and processor report. Gross sales, collections and net payouts can differ because of fees, refunds, reserves or cutoffs. Do not add processor sales again to the bank deposit that already contains them. Subtract a reversal only if its original credit is included and it has not already been netted out; leave unresolved differences for the analyst.
- 04
Connect deposits to cash availability
Add ending balances, explanations for negative days or returned items, and a schedule of every obligation. Deposits are not profit or free cash for payments. List daily, weekly or bi-weekly payments, taxes, payroll and operating expenses; document any proposed payoff. A deposit average alone does not establish repayment capacity.
Example: gross credits do not prove the screen is met.
Assume all accounts have been properly combined. For this example only, the analyst confirms the three deductions do not overlap, reversals relate to included credits, and the remainder qualifies. These are educational assumptions, not an underwriting formula or a decision about your business.
| Month | Bank credits | Internal transfers | New borrowing | Reversed credits | Illustrative remainder |
|---|---|---|---|---|---|
| Month 1 | $1,250,000 | $100,000 | $100,000 | $30,000 | $1,020,000 |
| Month 2 | $1,180,000 | $100,000 | $100,000 | $20,000 | $960,000 |
| Month 3 | $1,300,000 | $100,000 | $100,000 | $20,000 | $1,080,000 |
| Month 4 | $1,200,000 | $100,000 | $100,000 | $20,000 | $980,000 |
| Month 5 | $1,220,000 | $100,000 | $100,000 | $20,000 | $1,000,000 |
| Month 6 | $1,120,000 | $100,000 | $100,000 | $20,000 | $900,000 |
The remainder totals $5,940,000; divided by six it is $990,000 per month: $10,000 below the $1M screen. Under these assumptions, the deposit screen is not met.
Gross credits total $7,270,000, but they do not all represent new qualifying receipts. Do not remove a low month, add transfers or annualize a partial month to change the result. Unresolved items leave the result unverified. If the confirmed average falls short, request a fit discussion or another working-capital route with its own requirements; do not complete an application as though this screen were met.
Hand over an index that makes each number traceable.
Prepare one row per account and month: entity, last four digits, period, total credits, explained items, unresolved difference and supporting file/page. Include settlement reports, transfer evidence and financing agreements, plus the fit check's documents. Keep originals unaltered and annotate questions separately. Use the desk's secure process for statements, identification and tax returns; this page does not accept files or request bank passwords.
The IRS explains that records help identify income sources and substantiate transactions. It does not define this program's screens. The analyst determines qualifying deposits, position and payment capacity; preparing this worksheet guarantees neither approval nor a funding date. Source: IRS business recordkeeping
Speed starts with a complete file.
A fast review does not skip underwriting. It removes the hunt for missing documents and puts each decision in order.
- 01
Submit the complete package
Six bank statements, the latest return, debt schedule, identification, and a clear use of funds.
- 02
Review deposits and obligations
The review checks consistency, balances, returned items, existing positions, and cash left after the proposed payment.
- 03
Compare written terms
Review net proceeds, cadence, payment count, total repayment, guarantees, UCC terms, reconciliation, and prepayment conditions.
- 04
Verify and close
Accepted terms move through final verification and closing documents. Funding is not promised until those steps are complete.
Two guides for the urgent decision.
Separate speed from the product label and compare the actual cash-flow effect.
In our program: weekly or bi-weekly, never daily.
Cadence changes the pressure on the account. Our program avoids daily withdrawals, but that does not make financing cheap or safe: also compare total repayment, term, reconciliation, and guarantees.
One scheduled payment a week or every two weeks, on a day you know. Your bank reconciliation stays readable.
Payment amount, number of payments and total repayment go on the term sheet. Nothing is discovered on a statement.
Disclose every obligation. Second position requires review of contracts, consent where required, lien priority and combined payments. We do not come in behind two remaining advances or permit undisclosed stacking.
If you are already carrying positions, looking at all of them and coming out with one is a structure we underwrite, not an extra you have to ask for.
Prepare the evidence before adding an obligation.
Searching for '2nd position MCA' does not establish eligibility. The position count is only the start: every debt and lien enters the review.
- Reconcile deposits: gather six complete months for each operating account. Identify sales, transfers, new borrowing, reversals and seasonal changes so the analyst can determine qualifying deposits; do not substitute annual revenue for monthly deposits.
- Document every obligation: current agreement, remaining contractual balance, actual payment and frequency, recent debits and a dated payoff. Include loans and lines even when they are not MCAs; a planned payoff is not proof a position is closed.
- Resolve consent and priority: supply additional-debt, security and lien clauses. The analyst reviews UCC records, any necessary authorization or subordination, and release evidence on payoff. Do not hide an obligation or assume permission.
- Compare the complete proposal: net proceeds after costs and payoffs, total payback, weekly or bi-weekly schedule and combined payments. Ask for the written reconciliation procedure, effective timing and prepayment conditions; do not assume automatic adjustment when sales fall.
The FTC describes cost confusion and problems with promised reconciliations. The screens above belong to this program; the public source does not establish them or endorse the product. Source: FTC small-business financing staff perspective
Fast capital still has to earn its way out.
Short-term financing generally costs more than conventional term debt. It fits when the documented return on a time-sensitive opportunity exceeds the complete cost and the business retains enough cash after every payment. Compare the use, timeline, and cash-flow effect; speed alone does not justify the financing.
- An inventory buy at a price that exists this week and not next month
- A signed contract that needs payroll and materials before the first payment lands
- Getting out of expensive positions by consolidating them into one on a longer calendar
- Bridging a seasonal gap in a business whose deposits already prove it
- Covering a recurring operating loss — this accelerates it, it does not fix it
- Buying a long-lived asset that will not produce cash inside the payment window
- A speculative opportunity without an order, contract, or deposit history behind it
- A business already carrying two positions and shopping for a third
Why this matters on a lot.
A dealership lives on turn, and turn is precisely what a deposit-based product can analyze. Auction inventory buys, reconditioning ahead of the season, and urgent service-department equipment are moves with a short window and a visible path to revenue.
What a fast review needs.
The file is deliberately short — the deposits do most of the work.
- 5+ years in operation
- $1M+ average monthly deposits
- Operating account with a consistent deposit history
- No open bankruptcy
- 650 minimum FICO
- Personal guaranty from every owner at 20% or more
- No outstanding confession of judgment
- An account of any existing positions
- Six months of business bank statements
- Most recent business tax return
- Business debt schedule
- ID for each guarantor
Common questions
Do transfers and loans count as qualifying deposits?
Do not mark every bank credit as a new sale. Identify transfers, new borrowing, contributions and reversals, and provide supporting records. The analyst determines qualifying deposits from documents and current policy. The illustrative six-month worksheet is not an approval formula.
Can I use my best month or annual revenue for the $1M screen?
No. This program reviews average qualifying monthly deposits across six complete official months. One strong month, a balance screenshot or $1M in annual revenue does not replace that test. If the confirmed average falls below it, discuss another route with its own requirements; unresolved differences leave the screen unverified.
Is this a merchant cash advance?
It can share the same economic and regulatory family. Depending on the contract, RBF may be structured as a purchase of future receivables and fall within the broader sales-based financing category. Our program targets concrete differences: weekly or bi-weekly payments, 12–14 month structures for qualified files, first or second position, and written costs. Compare the contract, not only the name.
What does it cost?
Request the gross amount, deductions, net proceeds, payment frequency and count, total payback, and prepayment and adjustment terms in writing. A factor is not an APR. Also review disclosures applicable to your offer; weekly payments do not establish a lower cost than another MCA.
Can strong deposits offset bad credit?
They do not remove this RBF program's published 650 FICO screen. General working-capital screening begins at 640 credit, one operating year and $50K annual revenue, with additional requirements by program. Below those screens, prepare credit and cash flow; having an asset or invoice does not guarantee another approval either.
Can I request a second-position MCA?
It is considered only where the program and underwriting permit it. Disclose all obligations, supply agreements and payoffs, confirm any required consent, and review lien priority and combined payments. A planned payoff must be verified before treating a position as closed. Two remaining positions would make the new one third position, outside this program.
Does the payment automatically fall when sales fall?
Do not assume that from the RBF label. The contract must establish whether adjustment or reconciliation is available, how to request it, required evidence, when it takes effect, and the effect on payments or duration. Until a change is effective, plan around the existing obligation.
Can I have other financing at the same time?
It may be possible, but every obligation is disclosed and included in the analysis. The review considers payments, liens, priority, and remaining cash. We do not come in behind two open advances or permit a new position on top of ours without review.
What slows down a fast review?
Incomplete statements, deposits that do not reconcile, positions without an agreement or verified payoff, missing owners, and an unclear use of funds. Submit the complete package and explain overdrafts, returned items, or recent changes before the analyst has to discover them.
Can the term exceed 14 months?
In highly qualified situations, a term beyond 14 months can be reviewed case by case. It is not the standard term or a promise; it is considered only when deposits, operating history, credit, obligations, and cash flow support the exception.
How fast is it?
With six complete statements in hand, an initial decision may take one to three business days. Funding still depends on verification, documents, approval, and closing, so we do not promise same-day funding.
If the deposits are there, the rest is short.
Six months of statements, a complete debt schedule, and a clear use of funds let the review begin. Start the file or book a call to identify what is missing.
Revenue-based financing is short-term capital and generally costs more than conventional term debt. Amounts, terms, positions, payment cadence, and pricing are indicative, are determined file by file, and are superseded by the executed documents. A personal guaranty is required from every owner at 20% or more. Qualified Commercial does not guarantee approval, funding, amount, pricing, or timeline and does not provide financial, accounting, or legal advice.