Expansion is the moment a proven business borrows its own future: the second location, the new territory, the bigger contract class. A revenue purchase funds the jump while location one keeps the lights on. This is boutique funding: a person reads your file, not a scoreboard.
Deposits, buildout, hiring, and marketing all spend months before the new unit breaks even. The gap between signing the lease and covering itself is where expansions die.
Unit one's cash flow funds unit two's ramp while also covering its own life. One slow month at the original and the whole plan wobbles.
The adjacent suite, the retiring competitor's book, the perfect corner lease — expansion opportunities carry expiration dates measured in weeks.
Banks fund expansions for businesses with years of history at the existing unit and, ideally, a prior expansion already done. First-time expanders with young businesses sit outside every box on the form.
The evidence that matters — your waitlist, your turn-away demand, your proven playbook — is invisible to tax-return underwriting. Cash-flow underwriting reads it straight off the statements.
We advance against the existing business's revenue — the proven unit — so expansion capital arrives in days and settles weekly out of blended revenue as the new unit ramps.
Structure the ask around the ramp: deposit and buildout first, payroll bridge second, launch marketing third. Settle as the new unit crosses break-even, then renew to fund unit three with a track record behind you. Sharp terms, straight answers — that is the whole Cutting Cap model.
Grand-opening campaign, local search presence, and the offer strategy that fills a new unit's first 90 days.
The lease deposits, permits, and the inevitable construction overrun on location two.
Buildout, opening inventory, and the payroll bridge through ramp — the complete package when unit one's statements are strong.
If unit one has three-plus months of strong statements, yes — we underwrite the proven revenue and size the advance to what it can carry while the new unit ramps.
Yes. Franchisees use revenue purchases for buildouts, equipment packages, and territory fees regularly. The franchisor relationship stays untouched — no notices, no liens.
First purchases typically run $15k–$50k, sized to revenue. Strong files go well above $50k — the tiers are floors, not ceilings — and renewals fund larger as both units perform.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
