How fast can I get cash flow financing?

It is usually our fastest product, but timing depends on the lender, the amount and how complete your documents are.

Will applying hurt my credit?

Starting the online application does not affect your credit. Some lenders require a credit check before issuing an offer, and the type of check is disclosed before you authorize it.

How much does cash flow financing cost?

Cash flow financing uses a factor rate (typically 1.15–1.49) instead of an APR. Your factor depends on your revenue, time in business, and industry.

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Cash Flow Financing

Flexible working capital repaid as a small percentage of your daily sales or revenue.

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Amount

$2,500 – $1,000,000

Speed

Timing depends on the lender and your documents

Best for

Small businesses with consistent monthly revenue who want flexible repayment that flexes with sales.

Overview

Cash flow financing gives you a lump sum of working capital today in exchange for a small, agreed-upon percentage of your future sales or revenue. Unlike a traditional loan, there is no fixed monthly payment - repayment scales up when you have strong sales weeks and slows down when you don't.

How it works

1Start the online application — no cost and no obligation.
2Upload the last 3 months of business bank statements.
3Receive offers showing the advance amount, factor rate, and estimated payback period.
4Sign electronically and funds are released to your business bank account.
5Repay automatically as a small percentage of your daily card or bank deposits.

Pros

Typically the fastest of our funding options
No fixed monthly payment
Approval based on revenue, not just credit score
No collateral required

Things to consider

Higher cost of capital than a bank term loan
Daily or weekly repayment cadence

Who qualifies

6+ months in business
$10,000+ in average monthly revenue
U.S. business bank account
Most credit profiles considered

Deep dive: Cash Flow Financing

What is cash flow financing?

Cash flow financing - a form of revenue-based funding - is a form of small business funding where a lender provides a lump sum today in exchange for a fixed percentage of the business's future deposits or card sales. It is one of the fastest ways for a U.S. small business to access working capital, particularly when bank financing is too slow or out of reach. Because approval is anchored to real revenue rather than purely to credit score, it opens funding to businesses that may have been declined elsewhere.

How repayment actually works

Instead of writing a fixed check on the 1st of the month, a small percentage (usually 5%–15%) of every business deposit or card batch is automatically remitted to the funder until the agreed-upon payback amount is satisfied. When sales are strong, the advance pays down faster. When sales slow, the dollar amount of each remittance shrinks with them. This built-in elasticity is the single biggest reason restaurants, retailers, contractors, and seasonal businesses choose this product over a traditional term loan.

Cost: factor rate vs. APR

Cash flow financing is priced with a factor rate - a single multiplier applied to the advance amount - rather than an annualized interest rate. A $50,000 advance at a 1.30 factor means you'll remit $65,000 in total. The factor depends on your monthly revenue, time in business, industry risk, and prior funding history. While the effective APR is higher than a bank term loan, the speed, looser credit requirements, and revenue-flexed repayment make it the right tool when capital timing matters more than rate.

What businesses use it for

The most common uses we see at Lendpilot are inventory buys ahead of a busy season, covering payroll while waiting on receivables, marketing pushes with measurable ROI, equipment repair, taking on a larger contract that requires upfront materials, and bridging a short-term cash gap before a renewal or refinance closes.

Common use cases

Restaurants & food service

Cover payroll between busy weekends, buy inventory for a seasonal menu, or invest in delivery equipment.

Construction & contractors

Fund materials for a new job before the deposit clears, or bridge the gap between invoice and payment.

Retail & e-commerce

Stock up before Q4, fund a wholesale order, or run a paid-acquisition push during a high-margin window.

Auto, salon & service businesses

Replace a critical piece of equipment same-week without waiting on a bank decision.

Example pricing

Illustrative only - your actual offer depends on your profile and is shown after pre-qualification.

Advance amount: $50,000
Factor rate: 1.30
Total payback: $65,000
Term: ~9 months (revenue-flexed)
Daily remittance (example): ~$275 (10% of avg. daily deposits)

What you'll need

Last 3 months of business bank statements
Government-issued ID for each owner with 20%+ ownership
Voided business check (for ACH setup)
Optional: most recent business tax return for offers above $150K

Frequently asked questions