Revenue-Based Financing & Working Capital, $50K–$500K
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Revenue-Based Financing by JLFG is the small-business financing brokerage service of Jon Lynch Financial Group, LLC (a veteran-owned holding company in Miami, FL). Our flagship is revenue-based financing — including merchant cash advances and working capital advances — brokered directly. Through our partner lender network we also arrange business lines of credit, equipment financing, invoice factoring, term loans, bridge loans, SBA 7(a) loans, construction loans, commercial HELOCs, DSCR loans, and equipment sale-leasebacks for businesses across the United States.

Revenue-based financing is capital a business receives up front in exchange for a fixed share of its future revenue — structured as a purchase of future receivables, not a loan — with remittances delivered daily or weekly as revenue comes in. Qualification is based primarily on monthly revenue rather than credit score.

No. Revenue-based financing — including merchant cash advances — is a purchase of future receivables, not a loan. There is no interest rate; pricing is expressed as a factor rate applied to the funded amount, and remittances are delivered as a share of revenue rather than repaid on a fixed loan schedule.

A merchant cash advance (MCA) is the most common form of revenue-based financing: both are purchases of future receivables priced with a factor rate. MCAs traditionally key remittances to card sales or daily bank deposits, while revenue-based financing describes the broader category of revenue-share funding. JLFG brokers both directly.

Yes. Revenue-based financing is underwritten on monthly revenue and future receivables — not credit score. If your business has reliable monthly revenue, you can typically access capital even with imperfect personal or business credit. Quotes use a soft credit pull only.

Advances are typically sized at 80%–120% of your average monthly deposits, with a typical range of $10K–$500K through JLFG. A business doing $50K/month in deposits can usually access $40K–$60K. Larger or specialized needs are placed through our partner lender network.

Revenue-based financing and MCAs typically fund in 24–72 hours after document submission. The quick quote at apply.jonlynchfinancial.com/fundnow takes about a minute; the full application with 3 months of bank statements takes about 15 minutes.

Our flagship is revenue-based financing — including merchant cash advances and working capital advances — which JLFG brokers directly. Through our partner lender network we can also arrange business lines of credit, equipment financing, invoice factoring, term loans, bridge loans, SBA 7(a) loans, construction loans, commercial HELOCs, DSCR loans, and equipment sale-leasebacks. Revenue-based products are purchases of future receivables, not loans; loan products are originated by partner lenders. Most merchants start with the quick quote at apply.jonlynchfinancial.com/fundnow or the full application at apply.jonlynchfinancial.com.

Yes. Businesses earning under $25,000 in monthly revenue can access micro-funding of up to $15,000 through our referral partner network. Per the partner's program terms, decisions are instant and funding is immediate on approval because qualification runs on secure Plaid bank verification instead of manual statement review. Approval, amounts, and timing are determined by the funding partner. Use the micro-funding callout on this page to start.

Before you actually need it, while monthly revenue is strong. Strong revenue qualifies you for the largest first-position facility at the best pricing. Lenders price urgency into deals, so applying from a position of strength results in larger advances, lower factor rates, and better terms.

Working capital advances and MCAs typically fund in 24-72 hours after document submission. Term loans and lines of credit take 1-4 weeks. SBA loans take 60-120 days. Speed is one of the structural advantages of factor-rate working capital products.

JLFG is paid commission by the lender, not by the borrower. There are no fees you pay to us for sourcing financing. The cost of capital you see in the quote is what you pay to the lender.

No. JLFG operates as a brokerage, not a direct lender. Our flagship product — revenue-based financing, including merchant cash advances — is a purchase of future receivables rather than a loan, and we broker it directly. True loan products (term loans, SBA 7(a) loans, bridge loans, construction loans, commercial HELOCs, and DSCR loans) are arranged through our network of third-party partner lenders and referral partners; in every case the partner lender, not JLFG, originates the loan. Real-estate-secured products are placed only with licensed lenders in that network.

For revenue-based financing and MCA quotes: the most recent 3 months of business bank statements and a one-page application with EIN, monthly revenue, and time in business. No tax returns, no balance sheets, no projections. For term loans and SBA, expect to add 2 years of business tax returns and a personal credit pull. Equipment financing needs a quote from the vendor.

A factor rate is the price of a working capital advance, expressed as a multiplier of the funded amount instead of an interest rate. A $100,000 advance at a 1.25 factor rate means you deliver $125,000 total. Factor rates typically range from 1.15 to 1.49 depending on monthly revenue strength, time in business, industry risk, and term length. We always show the equivalent APR alongside the factor rate so you can compare apples-to-apples with term loans.

Working capital advances are typically sized at 80%–120% of your average monthly deposits. A business doing $50K/month in deposits can usually access $40K–$60K; a business doing $500K/month can access $400K–$600K. Term loans and SBA can go larger relative to monthly revenue but underwrite on broader factors including time in business, industry, and credit.

All 50 U.S. states + DC + PR. Some products (notably MCAs in California, New York, Virginia, Utah, Connecticut, and Georgia) require state-specific disclosures; we deliver those automatically as part of the application flow.