Three months in business is enough here. If customers are paying you — consistently, even modestly — a revenue purchase turns that early traction into $15,000–$50,000+ of growth capital without giving up equity. And speed is the point: clean file in, decision out, funds moving.
Licenses, buildout, inventory, the website, the first hires — startups spend relentlessly before the revenue engine warms up. The first profitable month is a milestone, not a margin.
Selling 15% of a company you will own for decades to cover a $30k gap is the worst trade in small business — and the default one founders get offered.
Your waitlist, your contract pipeline, your month-over-month growth — none of it appears on a bank form. Startups live or die on evidence the system ignores.
Two years of tax returns is the standard bank requirement, which excludes one hundred percent of startups by definition. It is not a judgment; it is a structural exclusion of every young business that exists.
SBA microloans and community lenders help some founders, on timelines of months. For a business earning now and growing weekly, there is a faster instrument: selling a small slice of future revenue.
We underwrite the youngest files in the industry: three months of bank statements, read for rhythm and trajectory. A startup growing 20% month over month is a strong file here, whatever its age.
Sizing reflects the stage: first purchases for young businesses typically land at 50–80% of monthly revenue. Settle it, and the renewal prices better and sizes bigger — the product grows up with the company. For the deep dive with a calculator, read our Startup Funding field guide. Fast. Fair. Funded. It is not a slogan; it is the operating manual.
Marketing that works, the first key hire's ramp, or the inventory depth that ends stockouts.
The equipment, space, or certification that unlocks the customer class you cannot reach yet.
Second location, bigger contract capacity, or the team build-out — when the statements already support it.
Three months of revenue history, shown on bank statements. Pre-revenue is too early — but three real months is genuinely enough to underwrite.
None. A revenue purchase is a sale of future revenue, not ownership. No board seats, no dilution, no investors to manage. It settles and it is done.
Growing beats big. A business doing $12k a month and climbing underwrites better than a flat $30k — trajectory is the strongest signal a young company can show.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
