Capital That Moves With Your Revenue
Repay as a percentage of your monthly revenue — so your payments flex with your business. No fixed due dates, no collateral required, no personal guarantee needed.
How Revenue-Based Financing Works
Unlike a traditional loan with fixed monthly payments, Revenue-Based Financing (RBF) ties your repayment to a percentage of your actual monthly revenue. When revenue is high, you repay more. When revenue dips, your payment automatically decreases.
You agree to repay a fixed total amount (your advance × the factor rate) and payments continue until that total is repaid — at whatever rate your revenue allows.
✅ Best For These Business Types
- SaaS & subscription-based companies
- Service businesses with recurring contracts
- Seasonal businesses with fluctuating income
- E-commerce businesses with variable sales
- Staffing & consulting firms
- Healthcare practices with insurance billing
- Businesses with strong revenue but thin credit
📋 Minimum Requirements
- 6+ months in business
- $15,000+ in monthly revenue
- No open bankruptcies
- US-based business entity
- 500+ personal credit score
- Bank statements (3 months minimum)
Example: $100K Funding
How repayment works on a $100K advance at 1.25x factor rate
Monthly Payment Schedule (10% Revenue Share)
| Month | Revenue | Payment (10%) | Balance Remaining |
|---|---|---|---|
| Month 1 | $80,000 | $8,000 | $117,000 |
| Month 2 | $95,000 | $9,500 | $107,500 |
| Month 3 | $110,000 | $11,000 | $96,500 |
| Month 4 | $75,000 | $7,500 | $89,000 |
| Month 5 | $120,000 | $12,000 | $77,000 |
* Notice how Month 4 (lower revenue) results in a lower payment — that's the flexibility of RBF.
RBF vs. Traditional Business Loan
| Feature | Revenue-Based Financing | Traditional Loan |
|---|---|---|
| Fixed Monthly Payment | ❌ Flexible | ✅ Fixed |
| Collateral Required | ✅ None | ⚠️ Often required |
| Personal Guarantee | ✅ Limited | ❌ Usually required |
| Time to Funding | ✅ 2–5 days | ⚠️ 1–4 weeks |
| Credit Requirements | ✅ 500+ | ❌ 650+ typical |
| Adjusts with Revenue | ✅ Yes | ❌ No |
| Best For | ✅ Variable revenue businesses | ✅ Stable, predictable revenue |
Ready for Flexible Business Capital?
Apply in minutes — no hard credit pull, no commitment required. Our team will review your revenue profile and get back to you within 24 hours.