Revenue-Based Financing
Capital structured around your business's sales history, with payments that flex proportionally with your revenue. Designed for businesses with consistent income streams seeking growth capital.
Overview
What Is a Revenue-Based?
Our Revenue-Based Financing program provides growth capital to businesses based on demonstrated sales performance. Unlike conventional lending that relies heavily on credit scores and collateral, we evaluate your revenue trajectory to determine funding capacity. Payments are calculated as a fixed percentage of your monthly or daily revenue, ensuring that your obligations naturally adjust to your business's performance cycle. This makes our revenue-based financing particularly well-suited for businesses with seasonal fluctuations, recurring revenue models, or those in rapid growth phases where traditional underwriting criteria may not fully reflect their potential. We fund amounts from $20,000 to $3,000,000, with total repayment caps that provide clear cost certainty from the outset.
Key Features
- Funding amounts from $20,000 to $3,000,000
- Payments flex automatically with your monthly revenue
- Fixed repayment cap provides total cost certainty
- Revenue-focused underwriting rather than credit-score-driven decisions
- No equity dilution or loss of business ownership
- Transparent fee structure with no hidden charges
Process
How It Works
Revenue Assessment
Submit your application along with bank statements or accounting platform access. Our team analyzes your revenue trends, deposit consistency, and growth trajectory to determine your funding capacity.
Offer Structuring
Based on your revenue profile, we structure an offer that includes the advance amount, the repayment cap, and the revenue share percentage. Every cost is disclosed upfront so you can evaluate the true expense of capital.
Capital Deployment
Upon acceptance, funds are deposited into your business bank account within one to two business days. You are free to deploy the capital toward any business objective.
Flexible Repayment
A predetermined percentage of your revenue is remitted on a daily or weekly basis until the repayment cap is reached. Higher revenue months accelerate repayment, while lower revenue months reduce your payment obligation automatically.
Benefits
Why Choose a Revenue-Based?
Payments are inherently aligned with your business's ability to pay
No fixed monthly minimums that create pressure during slow periods
Retain full ownership and equity in your business
Faster and more accessible than traditional bank financing
Total cost is known from day one with a fixed repayment cap
Eligibility
Qualification Requirements
- Minimum 6 months of operating history with verifiable revenue
- At least $15,000 in average monthly revenue
- Demonstrated month-over-month revenue consistency or growth
- Active business bank account reflecting regular deposit activity
- No open bankruptcies or unresolved federal tax liens
Use Cases
Common Uses
- Scaling marketing and customer acquisition efforts
- Hiring additional staff to support business growth
- Expanding product lines or launching new service offerings
- Investing in technology or systems that improve operational efficiency
- Opening additional locations or entering new markets
- Building inventory in advance of high-demand periods
FAQ
Revenue-Based Questions
While both products tie repayment to business performance, revenue-based financing evaluates your total revenue from all sources, not just credit card transactions. This makes it accessible to businesses that operate primarily through ACH payments, invoicing, or direct deposits. The underwriting model and repayment mechanics are similar in structure but differ in the breadth of revenue considered.
Revenue share percentages typically range from 5% to 25% of your gross daily or monthly revenue, depending on the funding amount, your revenue volume, and the repayment timeline. Our advisors structure the percentage to ensure that your day-to-day operations are not adversely impacted. The exact rate is disclosed and agreed upon before any funds are disbursed.
Personal credit is considered as one component of the overall evaluation, but it is not the primary driver of approval decisions. Our underwriting places the greatest weight on your business's revenue performance, deposit consistency, and growth trajectory. Businesses with lower personal credit scores are regularly approved based on the strength of their revenue history.
Yes. Since the repayment cap is fixed, higher revenue periods naturally accelerate your repayment. There are no penalties for early completion. In fact, many of our clients complete repayment ahead of the original projected timeline and return for additional funding to support continued growth.
Revenue-based financing is particularly effective for businesses with strong, consistent income streams, including e-commerce companies, SaaS businesses, restaurants, retail operations, and professional services firms. Any business that can demonstrate reliable monthly revenue and is seeking growth capital without diluting equity or pledging hard assets is a strong candidate for this product.
Ready to Get Started with a Revenue-Based?
Apply today and a funding advisor will walk you through your options.