> ## Documentation Index > Fetch the complete documentation index at: https://docs.myfundingmachine.com/llms.txt > Use this file to discover all available pages before exploring further. # Revenue Based funding > Who qualifies for MCA and BLOC, how the estimate works, which lending partner gets the file, and how to finish the Revenue Based workflow. # Revenue Based funding Revenue Based funding covers a **Merchant Cash Advance (MCA)** and a **Business Line of Credit (BLOC)**. The money comes from a lending partner, not from your client's personal credit cards or term loans. The partner pays you a referral fee, so there is no client invoice on this path. > [!NOTE] > > SBA loans are not offered yet. An SBA product never appears in **Product Decisions**, and the Revenue Based estimate never includes one. ## Who qualifies Underwriting checks each product on its own. A client can qualify for MCA, BLOC, both, or neither. | Product | Credit score | Monthly business revenue | Time in business | | - | - | - | - | | MCA | 600 or higher | $50,000 or more at a score of 600–639; $20,000 or more at 640 and up | 6 months or more | | BLOC | 660 or higher | \$20,000 or more | 2 years or more | ## The estimate Open the client's **Product Decisions** panel and click **Add Annual Revenue**. Enter the business's exact annual revenue and click **Save Annual Revenue**. Saving re-runs underwriting with that number. The estimate is **8–12% of annual revenue**. For $600,000 a year, that is $48,000 to \$72,000. The same range shows on MCA and on BLOC, and **Total Estimated Funding** counts it once, not once per product. SBA never gets an estimate. Without annual revenue on file, the Revenue Based products show no dollar estimate. ## Start the workflow In **Product Decisions**, select MCA, BLOC, or both, and confirm. The Revenue Based workflow then appears on the client's **Funding** tab. It has four steps. ### 1. Review & approve underwriting This step checks itself off when underwriting is approved. ### 2. Send doc upload link to client Click **Send Upload Link**. The link asks the client for the last 4 months of business bank statements, which is what both lending partners need. See [Document upload links](https://docs.myfundingmachine.com/operators/funding/document-upload-links.md). ### 3. Submit file to lending partner Click **Open Submission**. The dialog shows the one partner this file goes to. **Which partner gets the file.** The split is monthly revenue: * **Under \$75,000 a month** goes to [Lexington Capital](https://docs.myfundingmachine.com/operators/funding/lexington-capital.md). * **\$75,000 a month or more** goes to [Sandbar Fund](https://docs.myfundingmachine.com/operators/funding/sandbar-fund.md). The app uses the revenue band from the client's business questionnaire first, then the **Avg Monthly Revenue** on the client's record. When neither settles it (for example, the record says $50,000–$100,000), the dialog asks **Is the business's monthly revenue \$75,000 or more?** Confirm with your client and pick an answer. **One-time setup.** The first time you send a file to a partner, the dialog asks you to sign up with that partner and paste your client application link. You do this once per partner. You can change it later under **Settings → Lender Integrations**. Each partner's page explains where to find the link. **Send the file.** After setup, the dialog shows: * **How to submit**: that partner's instructions. * **Deal package**: the last 4 months of business bank statements. * **Client application link**: click **Email application link to client**, or copy the link and send it yourself. Tick the box that says you sent the link and the deal package, then click **Mark Submitted & Complete Step**. The step can only be completed from this dialog. From here the partner works the file with your client. ### 4. Record commission payment received When the partner pays your referral fee, click **Log Payment**. ## Record the commission This app does not record the payment for you. Record it in the CRM: 1. In the CRM's **Payments** area, create an invoice for the partner's referral payment. 2. Record it as a manual payment, so it shows as paid. 3. Note the CRM transaction reference and which partner paid. Then click **Mark Recorded** in the **Record commission payment** dialog. That only checks off the workflow step. ## Record the outcome on the Funding tab The workflow tracks your steps, not the deal's result. To show what the partner approved, open the client's **Funding** tab and use the **MCA** or **BLOC** section of the funding plan: 1. Click **Add** in the matching section. 2. Enter the lender and the amount. 3. Set the status as the deal moves: **Not Started**, **In Progress**, **Applied**, **Approved**, **Declined**, or **Completed**. Approved amounts count toward **Total Funded**. See [Funded breakdown](https://docs.myfundingmachine.com/operators/funding/funded-breakdown.md). ## Related pages > [card] [Lexington Capital](https://docs.myfundingmachine.com/operators/funding/lexington-capital.md) > > The Revenue Based partner for businesses under \$75,000 a month. > [card] [Sandbar Fund](https://docs.myfundingmachine.com/operators/funding/sandbar-fund.md) > > The Revenue Based partner for businesses at \$75,000 a month or more. > [card] [Document upload links](https://docs.myfundingmachine.com/operators/funding/document-upload-links.md) > > Send your client a secure link to upload their bank statements. > [card] [Funded breakdown](https://docs.myfundingmachine.com/operators/funding/funded-breakdown.md) > > See how approved amounts add up to Total Funded. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.