Products
Ten Figure Finance provides short-duration working capital to operating businesses that need access to cash faster than a traditional bank can underwrite. Each product is sized to the applicant’s monthly revenue and risk profile, with terms and pricing determined during underwriting.
Merchant Cash Advance
A purchase of a fixed amount of your future receivables, repaid as a small percentage of daily or weekly sales. Designed for businesses with steady card or ACH receipts.
Revenue-Based Financing
Funding repaid through fixed daily or weekly ACH debits, structured against verified business revenue rather than personal collateral.
Equipment Financing
Capital for the purchase or refinance of business equipment, with the financed equipment serving as primary collateral.
Line of Credit (Select Partners)
Revolving working-capital lines provided in partnership with select third-party lenders, subject to their underwriting and approval.
Typical Terms
| Attribute | Typical Range |
|---|---|
| Advance amount | $5,000 – $500,000 |
| Time in business | 3 months minimum (longer for larger amounts) |
| Monthly revenue | $10,000 minimum |
| Repayment | Daily or weekly ACH; 3 – 18 month estimated payoff |
| Funding speed | As little as 24 hours after approval and execution |
| Personal guaranty | Generally required from at least one principal |
All terms above are typical ranges, not offers. Actual amount, factor rate, holdback, term length, and fees are determined during underwriting and are disclosed in the executed agreement. Where required by state law, applicants will receive a commercial financing disclosure prior to signing.
How It Works
- Apply. Complete the secure online application and provide recent business bank statements.
- Underwriting. We review your business profile, bank activity, and (with your authorization) consumer and/or business credit reports.
- Offer. If approved, you receive a written offer with the advance amount, repayment structure, and all required disclosures.
- Sign & Fund. Sign electronically (or on paper, on request). Funds are deposited via ACH, typically within one business day.
Industries We Fund
We work with a broad range of operating businesses including restaurants and food service, retail, professional services, healthcare practices, construction and trades, transportation and logistics, auto repair, and e-commerce. We do not fund non-profits, government entities, or certain regulated and high-risk industries; restrictions are confirmed during underwriting.