Step 1: Check the payback before you apply
Start by confirming the money will earn more than it costs. Estimate the monthly gain from what you plan to fund, whether that is added gross profit, hours saved or costs avoided, and a payment your cash flow can carry in a slow month. That tells you roughly how much to request and which option fits.
Step 2: Apply once online
Complete one application with your business details, what the funds are for and recent bank statements. Requirements vary by product and funder; many look at time in business, monthly revenue and credit. A clear description of how the funds will be used helps match you with the right option.
Have these ready:
- Recent business bank statements
- Basic business and owner information
- What the funds will cover, with quotes, contracts or purchase orders if you have them
Step 3: We review options with our funding partners
Roifunder reviews your application and works with our funding partners to identify products that may fit, such as working capital, equipment financing, a line of credit, a term loan, revenue-based financing or an SBA-backed option. Some approvals come within a day or two, depending on documents. Nothing is promised until a partner makes an offer.
See how each option's cost is built on Funding Solutions.
Step 4: Compare offers on true cost and payment fit
Before accepting, put every offer on the same lines: cash you receive after fees, total repaid, total cost, monthly equivalent payment and cost per dollar per month. Then check that the payment fits your deposits in a slow month. The lowest payment is not always the lowest cost.
Use the two-offer comparison worksheet and the revenue-drop stress test. Read the agreement in full and ask the funding partner about anything unclear.
Step 5: Sign and receive funds
When an offer passes your payback and affordability checks, you sign the agreement with the funding partner and funds are sent to your business account. Timing depends on the product, the partner and how quickly documents are completed. After funding, track the gain against the payment so you know the investment is working.
Questions about a specific use of funds? Browse Industries for worked examples, or apply and discuss your options.
Frequently asked questions
Am I required to accept an offer?
No. Reviewing options does not commit you to anything. You decide whether to accept an offer after comparing its true cost and payment fit, and nothing is final until you sign an agreement with the funding partner. If no option makes financial sense, the right choice may be to wait.
How long does the process take?
It depends on the product, the funding partner and how quickly you provide documents. Some approvals come within a day or two, depending on documents, while options such as SBA-backed loans usually take longer. Having bank statements ready when you apply helps avoid delays.
What if I receive more than one offer?
Compare them on the same five lines: cash received, total repaid, total cost, monthly equivalent payment and cost per dollar per month. Then check which payment your deposits can carry in a slow month. Our two-offer worksheet walks through the comparison step by step.
What documents should I have ready?
Recent business bank statements and basic business and owner information cover most applications. For equipment, a quote from the seller helps; for a specific job or order, the contract or purchase order helps. The funding partner may request more, depending on the product.
Ready for step 2?
Apply once and compare options from our funding partners.
Updated September 14, 2026 · Roifunder Funding Team