Funding Amount
$2K – $1M
How It Works
- 3 to 18 Month Terms
- Daily/Weekly Revenue Repayment
- No Collateral Required
WHAT DO YOU NEED TO QUALIFY?
500+ Credit Score
Programs available for credit scores starting at 500 FICO. Revenue strength matters more than credit history.
6+ Months in Business
Your business needs at least 6 months of operating history with consistent revenue activity.
$7,500+ Monthly Revenue
Minimum $7,500 per month in gross revenue. Your funding amount scales with your revenue strength.
A TRUSTED PARTNER
3,500+
Businesses Funded
95%
Approval Rate
24hr
Funding Decisions
HOMESTEAD MCA FUNDING
Revenue-based funding that moves with your business. When sales are strong, you pay more. When sales slow, your payment adjusts automatically.
Revenue-Based
Payments flex with sales.
Strong months pay more.
Cash flow friendly.
Fast Decisions
Apply today, know today.
Funding in 1-3 days.
Capital when you need it.
No Collateral
No assets to pledge.
No liens on property.
Unsecured capital.
500+ Credit OK
Bad credit accepted.
Revenue is what matters.
Your sales qualify you.
WHO WE SERVE
From restaurants to retail, salons to service shops — MCA funding is built for businesses with strong daily revenue that need capital fast.
Restaurants
Weeknight lulls and seasonal dips create cash flow gaps, but rent, payroll, and food costs don't wait. You need capital that adjusts to your revenue cycle, not fixed payments that ignore it.
Retail Stores
Inventory purchases and seasonal stocking can't wait for bank approvals. Your daily card transactions prove you can repay — but banks only look at credit scores and tax returns.
E-Commerce Sellers
Ad spend, inventory restocking, and supplier payments pile up during growth phases. Revenue is strong but cash is always one step behind the next opportunity.
Salons & Spas
Equipment upgrades, buildout costs, and product inventory require upfront capital. Your chair revenue is consistent but banks want collateral and perfect credit you don't have.
Auto Repair Shops
Parts inventory, diagnostic equipment, and shop upgrades require capital that matches your repair ticket revenue — not fixed payments that ignore your seasonal repair cycles.
Medical & Dental Practices
Insurance reimbursement delays of 30-90 days create constant cash flow pressure while equipment, staff, and supplies need immediate funding that can't wait for claims to clear.
WHY BANKS SAY NO TO SMALL BUSINESSES
Your revenue is strong. Your customers keep coming back. But banks don't see it that way.
Credit Score Gatekeeping
Banks require 680+ credit scores. One medical bill, one slow month, or one past mistake locks you out — regardless of how strong your daily revenue is today.
Collateral Requirements
Banks want real estate or equipment as collateral. Service businesses, restaurants, and retail stores don't have hard assets to pledge — even with $50K+ in monthly card transactions.
Weeks to Months of Waiting
Bank applications take 4-12 weeks. Your equipment broke today. Your inventory needs restocking this week. Your payroll is due Friday. Banks don't operate on small business time.
Fixed Payments Ignore Reality
Bank loans demand the same payment every month. In January your restaurant does half the revenue of December — but the payment doesn't care. Revenue-based repayment does.
WHAT BUSINESSES USE MCA FUNDING FOR
Fast capital for the needs that can't wait for bank approval.
Inventory Restocking
Stock up for seasonal demand or take advantage of volume discounts from suppliers before the opportunity disappears.
Payroll Coverage
Bridge the gap between slow periods and busy seasons. Keep your team paid and your operations running without interruption.
Equipment Repairs
When critical equipment breaks, you need it fixed now — not after a 90-day bank review. Get capital to repair or replace same week.
Expansion
Second location, larger space, or new market entry. Fund growth moves while your current revenue covers the repayment.
Marketing Push
Launch a marketing campaign during your peak season to maximize returns. Repay from the revenue the campaign generates.
Emergency Capital
Unexpected expenses — lease issues, supply chain disruptions, or urgent repairs. Get funded in days, not months.
Frequently Asked Questions
GET FUNDED FAST
500+ credit score? $7,500+ monthly revenue? See what you qualify for in minutes.
Terms and rates are subject to lender approval and may vary based on creditworthiness and business qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.