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Revenue-based financing that moves with your sales.
Need a cash influx? Revenue-based financing gets you cash now, with repayment based on your monthly revenue.
- Repayment follows revenuePayments rise and fall with your sales, so you pay less in slower months.
- Cash nowA lump sum up front, so you aren’t waiting for sales to build.
- A decision in minutesOur capital formation experts review your file and typically decide in minutes.
- We listen firstEvery business is different. We listen carefully to each owner before we make an offer.
From application to cash in three simple steps.
Apply once, get a decision in minutes, and repay as your revenue comes in.
Share the basics
A short application and your last 4 months of business bank statements. That’s it. Your advisor handles everything from there.
We review your file
Our capital formation experts evaluate your business and typically provide a decision in minutes. We listen first, then set the amount and terms with you.
Receive and repay
Sign your contract and receive your funds. Repayment is based on your monthly revenue, so it rises and falls with the business.
What is revenue-based financing?
Revenue-based financing gets you cash now, based on the revenue your business has already brought in. A Working Capital Advance, by comparison, is an advance on your future sales. Instead of a fixed monthly bill, repayment is tied to the revenue your business brings in.
With this kind of financing, an agreed share of your revenue goes toward repayment, so payments get smaller when sales slow and larger when they pick up. Approval looks mainly at your ability to repay from income, which is why it can suit businesses without collateral.
Business expansion is the most common use, whether that’s a new location or new inventory. Owners also use it for marketing, seasonal swings and unexpected costs.
Revenue-Based Financing
- AmountBased on your monthly revenue
- FundingLump sum up front
- RepaymentTied to monthly revenue
- DecisionTypically in minutes
- Common usesInventory, marketing, seasonal swings
Think you won’t qualify? Think again.
If you checked these boxes, you’re closer to funding than you think.
- Time in business6+ months
- Monthly revenue$10,000+
- Credit score500+ FICO considered
- Bank statementsLast 4 months
Built for businesses whose revenue rises and falls.
Seasonal swings, inventory, growth, and surprise costs.
- Seasonal swingsPayments ease off in slow months and rise when the busy season hits.
- Inventory purchasesStock up now and repay from the sales that stock brings in.
- Marketing and expansionFund a campaign or a new location and repay as revenue grows.
- Unexpected costsCover a surprise expense without squeezing a fixed monthly bill.
It’s a good fit if
- You want repayment that rises and falls with your revenue.
- You want a lump sum of cash now rather than a credit line.
- Your sales are steady enough to repay from, even when they swing seasonally.
Look at another option if
- You want a fixed payment and a set payoff date. See Term Loans.
- You want to draw only what you need and reuse it. See Business Lines of Credit.
- You’re waiting on unpaid invoices. See AR / Invoice Factoring.
Revenue-based financing FAQs.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
How does revenue-based financing work?
You receive cash now and repay with a share of your revenue. When sales are lower the payment is lower, and when sales are higher it rises.
How much can I get?
The amount is based on your monthly revenue. After your advisor reviews your file, they tell you the amount that fits your business.
How fast do I get a decision?
Our capital formation experts typically decide in minutes, and funding can come the same day. Timing depends on how quickly documents are signed and returned.
How is it different from a loan?
A traditional loan repays on a fixed schedule, usually monthly. Here, repayment is tied to your revenue, so it moves with your sales. If you prefer a fixed payment, ask about Term Loans.
What does revenue-based financing cost?
Your advisor goes over the full cost with you before you sign anything.
Do I qualify?
If your bank said no, that doesn’t mean we will. We weigh time in business, monthly revenue, credit and collateral together, not one factor alone. As a guide, businesses with 6 or more months of operating history, $10,000 or more in monthly revenue and a FICO score of 500 or higher are typically considered. The fastest way to know is a short call with an advisor.
What do I need to apply?
Just the application and your last 4 months of business bank statements. Most business owners finish in minutes. Your advisor may ask for more before an offer is final, and tells you exactly what and why before you send anything.
Your business needs cash now. Let’s fund it.
Tell an advisor your monthly revenue and what the cash is for. You typically have a decision in minutes.
