Capital that flexes with your top line.
Working capital up to 1.5× your monthly revenue. Repayment scales with your sales — pay more in strong months, less in slow ones. Decisions on cash flow, not just FICO.
Capital that scales with your business — not against it.
Working capital up to 1.5× your monthly revenue. Strong week, you pay a little more. Slow week, you pay less. Built-in safety so a soft month is never a cash-flow crisis.
Underwriting on real cash-flow signal — consistency, deposit volume, end-of-day balances. Your FICO is one input, not the gate.
Funding tailored to your business needs
Our revenue-based financing offers rapid, transparent financing to fuel your strategic goals.
Approval on cash flow, not just credit
We underwrite on real bank-account performance — consistency, deposit volume, end-of-day balance trends. Your FICO is one signal, not the only one.
Funded in 24 hours
Most revenue-based advances fund the next business day after acceptance. No collateral, no personal-guarantee gymnastics.
Repay as a percentage of revenue
Daily or weekly payments adjust automatically with your deposits. Strong week? You pay a little more. Slow week? Less. No fixed monthly hit.
No fixed monthly payment
Unlike a term loan, there’s no due-by-the-1st bill. The repayment scales with the business, so a soft month never becomes a cash-flow crisis.
Businesses succeed with States Funding
“We took $180K for inventory ahead of Q4. The flexible-repayment structure meant we never sweated payroll. Best capital product I’ve ever used.”
“If you are a business that is looking for funding, I would recommend that you reach out to States Funding. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
States Funding's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Two-minute online application
Connect your business banking read-only. We analyze 6 months of deposit patterns instantly.
Start ApplicationSee your maximum advance
Your portal shows the exact dollar amount you qualify for and a sample repayment schedule based on your actual revenue.
See your offersAccept and get funded next day
E-sign one document, see the advance hit your account the next business morning. No collateral filings or in-person closings.
Talk to an advisorRepay automatically, scales with revenue
Daily or weekly micro-payments calibrated to your deposit volume. Built-in safety: payments throttle automatically in slow weeks.
Get fundedRevenue-Based Financing
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- States Funding RBF is structured as a true financing — disclosed APR, clear total cost, and reporting that helps build business credit. MCAs are typically purchase-of-future-receivables structures with opaque costs. Ours is transparent end-to-end.
- Repayments scale down with deposit volume — that’s the whole point. We have a built-in throttle that caps payments at a percentage of weekly revenue, so a slow week can’t over-collect.
- No collateral and no personal real-estate liens. Most advances are unsecured for qualifying businesses.
- Typical advances are 0.5× to 1.5× your average monthly revenue. A business doing $80K/month in deposits could qualify for $40K to $120K in working capital.
- Yes — once you’ve repaid 50% of an active advance, you’re eligible for a renewal. Many customers stack two cycles to fund recurring seasonal inventory.
How is RBF different from a merchant cash advance?+
What if revenue drops?+
Do I need collateral?+
How much can I qualify for?+
Can I get a second advance later?+
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.