Payroll lands Friday. The invoice clears in six weeks. That distance is where good businesses get squeezed — and it has nothing to do with whether you're any good at what you do.
Not a quote. Nothing is decided here.
One application. No cost to apply. We never sell your information.
What we place
Which one fits depends on your revenue pattern, not on what we'd rather sell you. Any offer, and all of its terms, comes from the funding partner.
Most common
A funding partner purchases a set amount of your future receipts at a discount. You remit an agreed share of sales as they come in.
Keep it on hand
An approved limit you pull from when you need it. You only carry a cost on what you actually use.
One large expense
A single lump sum with a fixed schedule over a set period. Predictable, and usually the lowest cost of the three.
Sound familiar
Profitable companies run short every day of the week. Not because the work dried up — usually because it didn't.
The bigger contract needs materials, crew and fuel before the first payment arrives. Saying yes costs more than saying no.
Nothing moves until it's fixed, and the repair bill doesn't care that your receivables are 30 days out.
Rent, payroll and insurance stay flat while revenue dips. Getting through it is a planning problem, not a failure.
What we actually are
A single funding company can only offer you what that company offers. If you don't fit their box, you're declined and you start over somewhere else.
Draw Forward is a brokerage. You fill out one application. We package it and put it in front of funding partners whose criteria actually match your business — your industry, your revenue pattern, your existing positions. They underwrite. You choose.
Why going through us doesn't cost you privacy
You already know what usually happens. You fill out one form online, and for the next six months your phone doesn't stop. That's because most applications get sold — the same file, to a dozen buyers, over and over.
Direct funders make a point of telling you a broker means a middleman. The fair version of that warning is about brokers who resell your file. So here's ours, in writing.
How it works
One page. Business details, owner details, anything you already have open. Takes a few minutes.
We review the file, ask about anything unclear, and match it to partners whose criteria fit your business.
Funding partners review and decide. Any offer, and its terms, come from the partner — not from us.
We walk you through what came back in plain language. You're free to take it, compare it, or walk away.
What it costs
Revenue-based funding isn't priced with an interest rate. It's priced with a factor rate — a multiplier applied once to the amount you receive. Move the sliders and watch what actually changes.
Sometimes called the purchase price or advance amount.
$50,000Typically somewhere between 1.10 and 1.50. Stronger revenue and cleaner history push it down.
1.30Revenue-based funding has no fixed maturity date — remittances follow your sales, so the real period moves.
9 monthsRead this before you use the number. This is an educational illustration, not an offer, a quote, or a prediction. Draw Forward does not set pricing — funding partners do, and they will disclose your actual costs and terms in writing before you sign anything. Note also that a factor rate is not an APR: because the full cost is fixed up front regardless of how quickly you remit, a shorter period makes the effective annualized cost higher, not lower. Drag the period slider and watch the weekly figure to see why that matters to your cash flow.
The full explanation: what moves the number, and why finishing faster doesn't make it cheaper →
Straight talk
Most funding partners in our network start looking at a file around here. Under these, an application usually isn't worth your time yet — and we'd rather tell you that than run you through a process that ends in a no.
Community development lenders and SBA intermediaries work with younger and smaller businesses, at far lower cost. Start at sba.gov.
Free mentoring and help getting your books in order. Small Business Development Centers are funded to do exactly this.
If you've banked somewhere for years, ask them before you ask anyone else. It will always be cheaper than what we can place.
Before you start
This is what nearly every funding partner asks for first. Gathering it up front is the single biggest thing you can do to keep your file moving.
Missing something? Apply anyway and we'll tell you what's still needed.
Who we work with
Different trades, same arithmetic: money leaves before it arrives. Here's what that usually looks like.
Fuel and driver pay now, broker settlement in 30 to 45 days.
Mobilization, materials and crew before the first draw clears.
Food cost and payroll against daily batches and slow seasons.
Parts up front, insurance and fleet accounts paying later.
You pay your people weekly. Your client pays you net 60.
Payroll and supplies against insurance reimbursement cycles.
Equipment and parts on demand, billing after the job closes.
Materials and crew fronted while insurance claims work through.
Rent, inventory and staff against uneven foot traffic.
Caregiver payroll every two weeks, reimbursement much later.
Fixed staffing costs against enrollment that moves seasonally.
Equipment and seasonal crews with income that swings hard.
Heavy equipment and fuel against mill payment schedules.
Raw materials and production ahead of purchase order terms.
Salaries and overhead while client invoices age.
If your business takes in revenue, it's worth a conversation.
Straight answers
Start here
This takes about two minutes and costs nothing. It isn't the full application — it's enough for us to tell you honestly whether we can help before anyone pulls anything.
Prefer to talk first? Call (929) 289-2986, Monday to Friday, 9am–6pm ET. A person answers.
By sending this you agree we may contact you at the phone number and email above about your enquiry, including by text. Consent isn't a condition of anything, and you can tell us to stop at any time. Submitting doesn't obligate you to accept an offer, and no offer is guaranteed.