Smarter Funding Based on Business Revenue Across All 50 States

We deliver affordable revenue-based financing services for startups and growing companies across USA. Secure $50K–$1MM with terms of 2–5 years. Pay only 3%–9% of monthly receipts, so cash flow never stalls.

We stand with women, veterans, diverse founders, and operators who need a faster path than banks.

Who Qualifies for Revenue-Based Financing in USA

Mid-America Commercial Lending offers an affordable revenue-based financing service that supports businesses earning $1MM or higher in annual revenue. Companies with 12 to 18 months of operating history qualify when they show steady performance and clear direction toward profitability.

Our financing programs remain open for women-owned companies, veteran-owned businesses, entrepreneurs of color, LGBTQ+ operators, and organizations established in low to moderate-income communities.

Companies that focus on inclusive hiring practices find dedicated options available as well.

We assist firms that already report profits, those operating at break-even, and businesses on track toward profitability. Enterprises with recurring contracts, predictable revenue streams, or steady customer bases, such as SaaS providers, construction firms, and service companies, align well with revenue-based financing that owners trust.

Funding based on business revenue ensures repayment adapts to income flow. A fixed percentage of receipts covers obligations without stretching cash flow. This creates a reliable alternative to equity financing that US companies often seek when bank debt limits progress.

Mid-America Commercial Lending serves as a business revenue loan provider with solutions designed for stability and scale. Owners access capital without giving away equity and keep control while expanding operations, securing contracts, and growing their workforce!

Who We Serve and What They Need

A woman building a construction firm in the US may find banks questioning her ability to scale, even with steady contracts in hand. Revenue-based financing in the US creates room for her to take on larger projects without giving up ownership.

A veteran returning from service often carries discipline, leadership, and vision. But may lack the credit history banks demand. With funding based on business revenue, repayment aligns with the pace of contracts won and work delivered.

Entrepreneurs of color working in low to moderate-income neighborhoods face higher borrowing hurdles, even when their companies show healthy cash flow. Affordable revenue-based financing service options allow these businesses to invest in staff, equipment, and growth without the long waits or denials common with traditional lending.

For LGBTQ+ founders building new companies, the challenge often lies in finding lenders who understand the commitment to inclusivity. Flexible repayment business financing makes it possible to expand hiring and prove strength in industries that overlook diverse ownership.

Each of these groups shares talent, resilience, and the drive to build companies that provide jobs and stability in their communities.

Mid-America Commercial Lending stands behind them with financing that respects their work and adapts to their revenue cycles.

What We Need to Move You Forward

We understand how frustrating it feels when lenders bury you under paperwork and stall progress. That is not how we work. We only ask for what gives us a clear picture of your business, nothing more. 2 years of financial statements broken out monthly, revenue tied to each customer, your debt schedule, and projections, if you have them.

We know owners often worry about not having everything perfect. Don’t stress. Bring us what you have, and we’ll help you organize it in a way that makes sense. Our role is to get you approved, not to slow you down.

With those records in place, we can deliver funding based on business revenue quickly, often faster than you expect.

Many companies come to us after banks turned them away. That’s why business owners across USA trust us as their business revenue loan lender when they need flexible repayment business financing that adjusts with income.

Support That Understands Different Industries

We meet entrepreneurs every day who feel like traditional banks never understood their business model. A SaaS company with steady subscriptions doesn’t run like a construction firm with uneven payouts, and a growing retailer doesn’t look like a logistics startup.

Yet each needs capital to keep moving forward. That is where our approach makes sense.

With revenue share funding and revenue-based business loans, your repayment matches the way your company earns. If sales slow, payments shrink. Stronger months mean you pay a little more, always tied to your actual income.

For many owners, this feels more like a partner than a lender.

We work with founders seeking startup revenue-based financing in the US, seasoned operators searching for growth capital tied to business income, and even subscription-driven firms that benefit from SaaS company financing. Our team listens to the story behind the numbers and stands with you when others overlook the value of your model.

Across the USA, we are trusted as a business revenue loan provider and a business revenue loan lender for entrepreneurs who want a smarter path. Some call it an alternative to equity financing; we call it giving business owners a financial cushion and a chance to grow on their own terms.

Commercial Bridge Loans

This direct lender has certain industries and business types that they are unable to fund. Examples include: Used car dealers, Banks and other lending institutions, Insurance carriers Money service businesses, Adult entertainment, Marijuana-related businesses, Non-profit entities, Government entities, Online gambling services. Additionally, they cannot lend to businesses in North Dakota, South Dakota, or Nevada.

Our Church Equipment Finance Programs

We offer 3 specific programs so that every church nationwide can qualify to get financing for any equipment their growing church needs. Below is a list and a brief description of each program and what a church would need to qualify for that specific program.

SBA loans are also highly versatile — funds can be used for launching a business, expanding operations, refinancing debt, buying property, or acquiring another company. This flexibility ensures the program can adapt to your specific needs.

Why Choose the Debt Restructuring

In the construction industry, having the right equipment at the right time can mean the difference between meeting deadlines and falling behind. Construction Equipment Financing offers a smart, strategic way to secure the machinery you need without the strain of large upfront costs.

One of the primary reasons to choose this option is cash flow preservation. Rather than tying up valuable capital in a single purchase, financing allows you to spread costs over manageable monthly payments, keeping funds available for other critical areas like payroll, materials, and new business opportunities.

This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times. Whether you need excavators, cranes, loaders, or specialized tools, financing ensures you can get the best equipment without compromising your budget. With flexible terms and competitive rates, you can select repayment options that align with your project timelines and seasonal cash flow patterns. For businesses that operate on a project-by-project basis, this adaptability is invaluable. Financing also opens the door to upgrades and scalability. This approach also gives you access to high-quality, modern equipment that can improve efficiency, safety, and project turnaround times.