Today, there is new method of obtaining financing.  Funding to existing businesseswho are ready to sell future earnings can benefit from such solutions.   Selling future earnings is quite simple.  Alternative lenders analyze your bank statements for the last 4 to 12 months and determine what your future cash flow will be.  Once they have determined the amount, they will lent you anywhere from 5% to 20% of your projected revenues.  These types of loans don’t really care about your credit score because your ability to repay back is determined by your past earnings and future earnings.