When flexible funding may fit
A defined short-term need can call for a funding option that works with your business cycle.
- Inventory and supply purchases
- Payroll or seasonal operating needs
- Cash-flow bridges while receivables settle
Business Funding
Flexible business funding for real operating needs.
Flexible business funding describes short-term funding options reviewed around a business's cash flow, timing, and repayment capacity. It may support payroll, inventory, or temporary cash-flow gaps; payment structures, costs, and availability vary by provider.
Quick answer
Explore short-term business funding built around your cash flow, timing, and repayment capacity rather than choosing a product before your business is reviewed.
No obligation to accept an offer. MerchantRunway is not a direct lender. We may connect applicants with third-party funding providers. Approval, terms, rates, and funding amounts are not guaranteed.
How options are evaluated
Providers may review revenue consistency, recent bank statements, time in business, credit profile, existing obligations, and your intended use of funds. All credit profiles considered; approval is not guaranteed.
What to compare
Short-term options can carry higher costs than traditional bank financing. Compare total repayment, payment frequency, fees, early payoff treatment, and the impact on your cash flow. Terms and funding timing vary by provider.
Documents usually needed
- Recent business bank statements
- Business identification and owner contact details
- Requested amount, intended use, and timing
- Existing funding obligations, if any
How approval is evaluated
Providers may review revenue consistency, deposits, time in business, industry, existing obligations, owner profile, and whether the requested capital fits cash-flow capacity.
View requirementsRelated funding options
Common questions
Does flexible funding mean payments adjust automatically?
Not necessarily. The provider's written agreement determines payment amounts and frequency, so ask how payments work during slower periods.
What do providers review?
Providers may consider revenue, recent business bank statements, time in business, credit profile, and existing obligations. Requirements vary by provider and funding type.
How long does review take?
Timing depends on the provider, the funding type, and whether your documents are complete. Approval and funding timing are not guaranteed.
Is MerchantRunway the lender?
No. MerchantRunway is a business funding marketplace that may connect applicants with third-party funding providers. There is no obligation to accept an offer.
Related resources
Related guides
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Terms vary by provider