Revenue-Based Funding
Capital structures aligned to business performance — repayment tied to revenue, not fixed monthly obligations. Designed for companies with strong revenue seeking flexibility beyond traditional banking.
Overview
Revenue-based financing (RBF) is a non-dilutive capital structure where repayment is tied directly to your business's revenue performance — not a fixed monthly payment. When revenue is strong, you repay faster. When revenue slows, your repayment slows with it. This alignment between capital cost and business performance makes RBF ideal for businesses with strong but variable revenue streams. Unlike traditional loans, RBF doesn't require collateral, personal guarantees in all cases, or a long credit history. The primary underwriting criteria is your business's revenue performance — making it accessible to businesses that traditional banks overlook. We structure RBF deals around your specific revenue model, whether that's daily credit card receipts, monthly recurring revenue, or project-based billing.
Ideal For
- SaaS and subscription businesses with predictable MRR
- E-commerce businesses with strong but seasonal revenue
- Service businesses with consistent monthly billing
- Businesses with strong revenue but limited credit history
- Operators who want to avoid equity dilution
- Companies with variable cash flow that can't support fixed payments
- Businesses seeking fast capital without extensive documentation
Eligibility & Requirements
Key qualification criteria for this financing program.
Financing Structures & Terms
Flexible structures engineered around your business performance and capital needs.
Merchant Cash Advance (MCA)
Advance against future credit/debit card sales. A fixed percentage of daily card receipts is remitted until the advance plus factor rate is repaid. Fast and flexible.
Revenue-Based Loan
Fixed advance amount with repayment as a percentage of monthly gross revenue. Typically 3-8% of monthly revenue until the total repayment amount is reached.
ACH Revenue Advance
Daily or weekly ACH debits from your business bank account as a fixed percentage of revenue. Ideal for businesses without heavy card processing volume.
MRR-Based Facility
Capital facility sized as a multiple of monthly recurring revenue (MRR). Ideal for SaaS and subscription businesses with predictable, contracted revenue.
Split Funding
Repayment split between card processing and ACH — providing flexibility for businesses with mixed payment methods.
Stacked Facility
Multiple revenue-based advances structured in sequence to provide larger total capital while managing daily repayment obligations.
Execution Process
A clear, structured path from inquiry to funding.
Submit Application
Provide 3-6 months of business bank statements and/or card processing statements. No extensive documentation required for initial review.
Revenue Analysis
Our team analyzes your revenue patterns, average daily balances, and cash flow consistency. Approval decision typically within 24 hours.
Offer & Terms
Receive a clear offer: advance amount, factor rate, repayment percentage, and estimated term. No hidden fees or complex structures.
Funding
Funds deposited to your business account — typically within 24-48 hours of signed agreement. Repayment begins automatically on the agreed schedule.
Key Benefits
- Repayment aligned to revenue — no fixed payment pressure
- No collateral required in most programs
- Fast approval and funding (24-48 hours typical)
- No equity dilution — you retain full ownership
- Accessible to businesses with limited credit history
- Flexible use of proceeds — no restrictions on fund use
- Can be stacked or renewed as revenue grows
Compliance & Documentation
- KYC/AML verification for all business owners
- 3-6 months business bank statements
- 3-6 months card processing statements (if applicable)
- Business license and entity documentation
- Voided business check for ACH setup
- Personal guarantee may be required depending on amount
Ready to Apply?
Submit your application and our team will respond within 24–48 hours with next steps.
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Upload financial statements, tax returns, and supporting materials securely.
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Schedule a confidential capital call to review your business, funding needs, and timeline.
Schedule a Capital CallRegulatory Disclaimer: Business financing information provided herein is for informational purposes only and does not constitute a commitment to lend or a guarantee of financing. All financing applications are subject to credit approval, underwriting, and applicable federal and state lending laws including TILA, ECOA, and applicable state commercial lending laws. Loan terms, rates, and availability are subject to change without notice. Full legal disclosures →