Keep hiring, marketing, and inventory plans on schedule when one month comes in light. Built for established businesses doing $60K+ a month.
See my numbersCash flow planning
Capital sized to your recent deposits, through our partner, Merchant Fund Express, so a dip in sales does not stall the momentum you built.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can see funding in as little as 24 hours. Send about three months of bank statements, skip the tax returns, and finish the application in about five minutes.
FICO 500+ is considered and the first look is a soft pull. A strong deposit trend carries real weight next to your score.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can drop it straight into your cash flow model.
A business that is scaling usually spends ahead of revenue. You signed the lease for the bigger space, added two people to the team, and committed to an ad budget that pays off over 90 days. Then a seasonal lull, a delayed client payment, or a weather week takes a bite out of deposits. Your fixed costs did not shrink, so the dip lands directly on your operating cushion.
Slow month cash flow funding is built for that exact moment. It lets established businesses doing $60K or more a month cover the gap without pausing the moves that drive next quarter's numbers.
Here is a simple way to size the gap. The figures below are for illustration only and are not our terms or a quote.
| Line item | Normal month | Slow month |
|---|---|---|
| Deposits | $95,000 | $68,000 |
| Payroll and rent | $52,000 | $52,000 |
| Inventory and supplies | $24,000 | $21,000 |
| Marketing commitments | $9,000 | $9,000 |
| Net position | +$10,000 | -$14,000 |
In this example the owner needs roughly $15,000 to $25,000 of breathing room, plus a buffer. Knowing that number before you apply keeps the request focused and the repayment manageable.
Funding ranges from $25,000 to $5,000,000 and is provided through our partner Merchant Fund Express.
Funders reviewing a slow month request mostly want to see that the dip is temporary. About three months of business bank statements usually tell that story on their own: steady deposits, a visible lull, and a business that keeps paying its bills. No tax returns are required, FICO scores from 500 are considered, and the process starts with a soft credit pull. Sole proprietors can apply too.
Many of our readers are working on their credit at the same time they scale. Those are separate tracks. Funding is based largely on revenue, so you can apply now while you continue building your profile on your own timeline. Our business credit guide covers the habits that help over time, and how revenue offsets credit explains why deposits carry so much weight.
The best time to apply is when you can see the dip coming in your calendar or your receivables. The application takes about 5 minutes, decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Start your application and get a clear picture of your options before the slow weeks hit.
Yes, you can apply. Reviewers look at about three months of statements, so one soft month is read in context with the stronger months around it.
If the slow period repeats every year, a line of credit lets you draw only when needed. If it is a one-time shortfall with a known size, working capital is often simpler.
Funding and credit improvement are separate. Funding is meant to steady cash flow; building credit is a different process you manage on its own track.
Start with the gap between fixed costs and expected deposits, then add a modest buffer. Requesting far more than the gap can make repayment heavier than it needs to be.
Funding is provided through our partner Merchant Fund Express. TrueCredit Partners helps you get connected and understand the options.
Example uses for illustration only.
A few habits make your file easier to review the next time a slow month shows up.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding