Revenue-based working capital advance
Fixed payback amount, repaid daily or weekly from revenue. Usually the fastest to arrange; the total cost is fixed at signing regardless of how quickly you repay.
Fast Mula · smaller requests
When the problem is this week, not next quarter.
A payroll gap, a broken compressor, a supplier who wants cash up front. Fast Mula is built for smaller requests where timing matters more than squeezing out the last point of cost. We still show you the full cost before you decide.
- About 3 minutes
- Costs shown as factor rate and estimated APR
- No SSN or bank login
Structures that usually fit smaller, faster needs
Short-term business line of credit
Draw what you need, repay, draw again. Good for recurring gaps. Watch draw fees and variable rates.
Invoice financing
If you have unpaid B2B invoices, you may be able to advance against them at a lower cost than a cash advance.
Who Fast Mula tends to fit
Honest ranges, not promises. Every provider sets its own rules.
Usually a fit
- Operating for 6+ months with consistent deposits
- Requested amount at or below roughly one month of revenue
- A specific, short-lived use: payroll, repair, inventory, a deposit
- No more than one existing advance
Usually a better conversation first
- Two or more advances already being repaid (consolidate before adding)
- Revenue declining for several months
- A long-term project that needs a multi-year term
- Brand-new business with no revenue yet (see funding a new business)
What "fast" realistically means
Online providers often describe same-day or next-day funding. In practice the clock starts when a provider has your statements and a signed agreement, not when you first click. Weekends, bank cut-off times, and stipulations (proof of ownership, a voided check, a landlord letter) are where "same day" becomes "Tuesday". What actually determines funding speed.
The cost trade-off, plainly
Speed is a product feature you pay for. As an illustration, a short-term advance with a 1.20 factor rate over 16 weeks and a 2% fee works out to an estimated nominal APR of roughly 150% on our calculator's assumptions, even though "20%" sounds modest. That can still be the right call for a one-time gap that unlocks a larger job. It is rarely the right call for ongoing operating losses. Run the numbers.
What Fast Mula is and isn't. Fast Mula helps you compare business-funding structures and submit one inquiry. Nothing on this site is an offer, approval, guaranteed rate, or guaranteed timeline. Any funding depends on a provider's own review, and terms vary by state.
Preview the Fast Mula path
Inquiries are not open yet. Preview the questionnaire, and use the calculator and comparisons freely.