Large revenue-based financing for bigger growth plans

Built for bigger deposit histories

Revenue-based financing is often pictured as small, short-term capital. For businesses with significant monthly volume, it scales. Through our partner Merchant Fund Express, amounts reach up to $5,000,000 for bigger businesses whose bank statements support it. The range starts at $25,000, so the same process serves a business doing $60K a month and one doing several million.

What drives a larger number

The amount depends mainly on two things: how much consistently flows into your account and what you already owe. Reviewers typically look at:

• Deposit consistency across the last three months, not one strong week
• Existing advances or loans and the daily or weekly draws they take
• Average balances and how often the account runs thin
• Time in business and the type of industry

There is no simple multiplier we can quote as our terms. Two businesses with identical revenue can receive different offers because their obligations differ.

A sizing example

For illustration only, not an offer or a formula we use:

The lesson: clean obligations often matter as much as top-line revenue when you want a big number.

Uses that justify a big check

• Opening multiple locations in one push
• Funding a large commercial contract before the first progress payment
• Buying inventory for a full season at volume pricing
• Adding a production line or a fleet of service vehicles

For equipment-heavy plans, compare with equipment financing. For contract-driven needs, see funding for big contracts.

Phasing a large request

A big number does not have to arrive all at once. Some owners fund the first phase of an expansion, prove the results over a few months of statements, and then return for the next phase with a stronger file. Phasing keeps the total obligation in line with what the business is producing and limits the risk if one part of the plan runs behind schedule. Write down what each phase costs, when it should start producing revenue, and what deposit level would justify the next request. That is how a numbers-minded owner scales without overreaching.

Preparing a strong large-amount file

Bring three full months of statements for every operating account, disclose existing obligations, and write a one-paragraph use of funds with expected payback. No tax returns are required and the 5-minute application uses a soft credit pull to start. FICO 500+ is considered. Qualified files can fund in as little as 24 hours, though larger amounts may take additional review. Apply here.