The short answer
How reviewers look at a $500K business
At smaller sizes, bank statements carry most of the review. At $500,000 a month, a reviewer wants to see profit margins, how much debt the business already carries, whether a few customers make up most of the revenue, and what the new money will do. The Merchant Fund Express $500K revenue page covers the review in more depth.
MFE's illustrative advance sizing of roughly 0.5x to 1.5x monthly revenue would suggest $250,000 to $750,000, but at this size an advance is rarely the best primary tool.
Structure choices
| Need | Usual structure | Why |
|---|---|---|
| Expansion or acquisition costs | Term working capital | Fixed schedule over a longer term |
| Seasonal inventory and payroll swings | Line of credit | Draw and repay as cash moves |
| Vehicles, machinery, buildout gear | Equipment financing | Term matched to asset life, up to 60 months at MFE |
| Large B2B receivables | Invoice factoring | Cash from undisputed net 30 to 90 invoices |
Check what your business qualifies for
Merchant Fund Express reviews business funding at $500k a month in revenue 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 ExpressIllustrative example: a $750,000 term facility
Assumptions: a food manufacturer deposits about $500,000 a month and adds a second production line to serve a new grocery chain. It takes $750,000 in working capital with an assumed 2.5% fee and an assumed total repayment of $900,000 over 24 monthly payments.
| Item | Amount |
|---|---|
| Facility amount | $750,000 |
| Fee (2.5%) | $18,750 |
| Net cash received | $731,250 |
| Total repayment | $900,000 |
| Monthly payment (900,000 / 24) | $37,500 |
| Payment as share of deposits | 7.5% |
These figures are illustrations, not offers. Real pricing, terms and amounts depend on the full file Merchant Fund Express reviews.
If the business nets 12% after all costs, it earns about $60,000 a month today. A $37,500 payment takes more than half of that until the new line produces, so the ramp-up schedule needs to be realistic.
Who fits and who does not
A strong fit has 2+ years of history, current books, moderate existing debt and a project with a measurable return. A weak fit has revenue concentrated in one customer, financials more than a quarter old, or several daily-payment advances already in place. In that last case, a consolidation review should come before any new money.
Funding brings customers. Is your website ready for them?
A business adding capacity at $500,000 a month needs buyers, distributors and new hires to find accurate information fast, so the site should show current products, certifications and a clear contact form. Cheap Cheap Websites builds professional sites from $399, and Website Care at $30/month covers hosting, backups, weekly checks and small edits.
Documentation package
- Six months of business bank statements for every operating account.
- Owner ID and a voided business check.
- A short application.
- Two years of business tax returns.
- Year-to-date profit and loss and balance sheet.
- Accounts receivable and payable aging reports.
- A debt schedule with balances, payments and maturity dates.
- A one-page use of funds with costs and expected timing.
When another path is better
- If the need is one big machine, finance it on its own rather than folding it into a working capital facility.
- If a large customer is about to sign but has not, wait. A signed purchase order changes both the size and price of what you can get.
- If revenue is about to cross $1,000,000 a month, compare funding at $1M a month so today's structure does not box you in.
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.