New company, no history? Read this first.
Here's the dirty secret of small-business finance: the moment you most need money — the first year, when every dollar is a bet — is exactly when banks won't talk to you. Two years of tax returns, they say. Come back later.
A revenue purchase works the opposite way. Instead of grading your past, it buys a small piece of your future. We advance you cash today — $15,000, $25,000, $50,000 — and collect a fixed slice of your weekly revenue until the purchased amount is settled. Slow week? The remittance shrinks with you.
What actually gets a new company approved
Underwriters reading a three-month-old business care about exactly three things:
- Deposit rhythm. Are customers paying you consistently? Daily card batches, weekly invoices, whatever — regularity beats size.
- Average daily balance. Do you keep a cushion, or does the account hit $14 every Friday? A modest buffer signals you can absorb the weekly remittance.
- Trajectory. Month three deposits above month one is the single strongest signal a young business can show. Growth covers a multitude of missing paperwork.
A new LLC isn't a red flag. An empty bank account is.
What it costs — honestly
Revenue purchases price with a factor rate, not an APR. A 1.30 factor on $25,000 means you remit $32,500 total, period. No compounding, no balloon. Speed and flexibility are what you're paying for — if you qualify for an SBA loan and can wait twelve weeks, take it. If you need a hire on payroll by Friday, this is the tool.
The move that separates funded founders
Apply with your statements organized. Three PDFs, three months, in order. It sounds trivial — but the founders who send clean files on the first ask are the same ones whose deposits show discipline, and underwriters notice the correlation. Sloppy paperwork is the loudest "no" signal there is.