The short answer
Why this product moves quickly
A bank loan reviewer may want two years of tax returns, a balance sheet, and collateral details. A revenue-based reviewer mostly wants to see the money coming in.
Three or four months of statements answer the main questions: how much comes in, how steady it is, how much sits in the account, and what else is already being repaid.
The MFE fast revenue-based financing page explains the funding side of that review.
The six things that slow a file
| Delay | Why it happens | Fix |
|---|---|---|
| Missing months | Reviewer cannot see a full pattern | Upload every page of every month |
| Screenshots | Cannot be verified | Download PDFs from the bank |
| Name mismatch | Account under a trade name | Note the DBA on the application |
| Undisclosed advances | Found later, file restarts | List every current payment |
| Unreachable owner | Verification call missed | Keep your phone on during review |
| Large unexplained deposits | Could be loans or transfers | Add a one-line explanation |
Check what your business qualifies for
Merchant Fund Express reviews fast revenue-based financing requests from $5,000 to $5,000,000. Scores from 500 are considered, and same-day decisions are common on complete files.
Check funding options with Merchant Fund ExpressWho it fits, and who it does not
- Fits: businesses with 3+ months of steady deposits facing a time-bound opportunity, like a bulk inventory discount that expires Friday.
- Fits: owners who already have their statements downloaded and can sign the same day.
- Does not fit: needs that can wait a month, where slower and cheaper money is available.
- Does not fit: businesses with revenue below about $7,500 a month, which sits under common guidelines for this type of product.
Illustrative example: a distributor catching a supplier discount
The figures below are illustrations built on stated assumptions, not offers or quotes. Real pricing depends on the full file.
Assumptions: an auto parts distributor with $80,000 a month in deposits takes $75,000 to buy discounted stock. Total repayment set at 1.27x, a 2% fee, fixed weekly payments over 45 weeks.
| Item | Amount |
|---|---|
| Funded amount | $75,000 |
| Fee (2%) | $1,500 |
| Net cash received | $73,500 |
| Total repayment ($75,000 x 1.27) | $95,625 |
| Weekly payment ($95,625 / 45) | $2,125 |
| Cost over net cash received | $22,125 |
The test: if the supplier discount saves more than about $22,000 in margin over the life of the stock, speed paid for itself. If not, the owner should pass.
Funding brings customers. Is your website ready for them?
When you fund fast to grab stock or a deal, customers need to find that product online right away, with accurate prices and availability. Cheap Cheap Websites builds professional sites from $399, and launch can happen in as little as 48 hours for eligible small projects, with Website Care at $30/month for ongoing product and price edits.
How to prepare your statements
- Log in to your business bank and download the last four full months as PDFs.
- Check that the account name matches the legal or DBA name on your application.
- Write short notes for any deposit over a quarter of a normal month's revenue.
- List current advances or loans with daily or weekly amounts.
- Have ID and a voided check scanned and ready.
This takes 20 minutes and is usually the difference between a same-day decision and a three-day file.
When slower money is smarter
If the purchase is a long-lived asset, like a truck or machine, equipment financing matches the term to the asset and is often cheaper.
If speed is about payroll every month, the real issue may be cash flow timing, and a line of credit built over time may serve you better than repeated advances.
Related funding guides
Cheap Cheap Websites builds websites. It does not lend or make funding decisions. Funding is offered by our funding partner, Merchant Fund Express, and every request is subject to its review and approval. Figures on this page are illustrations, not offers. Updated October 15, 2026.