# Large revenue-based financing is sized on deposits , then verified

URL: https://cheapcheapwebsites.com/business-funding/large-revenue-based-financing/
Updated October 15, 2026. Funding offered by Merchant Fund Express (https://merchantfundexpress.com/large-revenue-based-financing/); Cheap Cheap Websites builds websites and does not lend.

## The short answer
Large revenue-based financing, usually $250,000 and above, is sized mainly on verified monthly deposits, with MFE's planning guideline around 0.5x to 1.5x monthly revenue. Larger requests commonly need more than bank statements, such as financial statements and tax returns. Merchant Fund Express funds from $5,000 to $5,000,000, and businesses with several bank accounts should send statements for all of them.

## 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.

## Multi-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.

## 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.

## Frequently asked questions
**How much revenue-based financing can a large business get?** Merchant Fund Express funds from $5,000 to $5,000,000. The amount is driven by verified monthly revenue, with an illustrative guideline of roughly 0.5x to 1.5x, adjusted for existing debt, credit, and margins.

**Do I need audited financials?** Usually not audited, but requests above about $250,000 commonly need a recent profit and loss statement, a balance sheet, and tax returns. Have your bookkeeper prepare clean, current reports before applying.

**How are multiple bank accounts handled?** Send statements for every account that receives customer revenue. Reviewers strip out transfers between your own accounts, so the true revenue figure is what drives the offer, not the sum of all deposits.

**Is a large request slower?** It usually takes longer than a small one because more documents need review. A complete package sent at once, with a debt schedule and explanations, is the best way to keep it moving.

## Website for growing businesses
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.

Apply for funding: https://merchantfundexpress.com/current-application.html?src=ccw-large-revenue-based-financing
Website plans: https://cheapcheapwebsites.com/products