The short answer
How bigger amounts are sized
The core math does not change with size. Reviewers find average true monthly revenue and size the offer as a multiple of it. The guideline on MFE pages is roughly 0.5x to 1.5x monthly revenue, as an illustration, not a rule.
So a business depositing $300,000 a month might see offers between $150,000 and $450,000, depending on margins, existing debt, credit, and time in business.
See the Merchant Fund Express large revenue-based financing page for the funding-side detail.
What changes above $250K
- Financials: a recent profit and loss statement and balance sheet, often year-to-date plus last full year.
- Tax returns: business returns, and sometimes owner returns, to confirm the deposits match reported income.
- Debt schedule: every loan, lease, and advance with balance and payment.
- Accounts receivable aging: for B2B companies, to show who owes what.
- Longer review: more documents mean more reading, so plan for more than a day.
Check what your business qualifies for
Merchant Fund Express reviews large 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 ExpressMulti-account businesses
Larger companies often run revenue through several accounts: an operating account, a payroll account, a merchant account, maybe separate entities.
Send statements for every account that receives customer revenue. Reviewers remove transfers between your own accounts so the same dollar is not counted twice.
If one entity takes the funding but revenue flows through a sister company, explain the structure in writing upfront. Surprises at this size slow everything down.
Illustrative example: a regional HVAC contractor
The figures below are illustrations built on stated assumptions, not offers or quotes. Real pricing depends on the full file.
Assumptions: $400,000 a month in true deposits across two accounts, a $400,000 request (1.0x), total repayment at 1.24x, a 2% fee, and 50 fixed weekly payments.
| Item | Amount |
|---|---|
| Funded amount | $400,000 |
| Fee (2%) | $8,000 |
| Net cash received | $392,000 |
| Total repayment ($400,000 x 1.24) | $496,000 |
| Weekly payment ($496,000 / 50) | $9,920 |
| Weekly payment vs. weekly deposits (about $92,300) | About 10.7% |
Cost over net cash received is $104,000. At this scale, a few points of pricing are worth real money, which is why complete financials can pay off.
Funding brings customers. Is your website ready for them?
A large funding round usually means a bigger crew, a new service area, or a major contract, and buyers at that level check your website before they sign. Cheap Cheap Websites builds professional sites from $399, and Website Care at $30/month keeps service area pages, project photos, and contact forms current as the company grows.
Who it fits, and who it does not
Fits: established companies, often several years old, with $200,000+ in monthly deposits and a specific use like a large contract, an acquisition, or a fleet expansion.
Does not fit: a fast-growing company whose revenue doubled last quarter but has no track record to support it. Reviewers size on what is proven, so a smaller first round and a later increase is common.
Note that many funders restrict residential remodeling, new residential construction, and long-haul trucking, so contractors in those lanes should ask early.
When a different structure is better
If the money buys equipment, equipment financing with terms up to 60 months at MFE usually costs less than revenue-based money.
If your customers are businesses paying on net 30 to 90, invoice factoring can scale with your receivables instead of your deposits.
And at this size, a working capital loan or line of credit is worth checking first if your credit and time in business qualify.
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.