Revenue-Based Financing
Capital that moves at the speed of your sales
A lump sum today, repaid as a small fixed percentage of what you bring in. When business slows, so do your payments. When it booms, you're done sooner.
$85,000
funded in 31 hours
funded in 31 hours
$10K – $2M
Sized to roughly 60–150% of your average monthly revenue.
24–48 hr funding
Most approvals same day. Wire hits your account the next business day.
Flexible remittance
A fixed % of daily or weekly sales — never a fixed monthly bill.
No collateral
No liens on your house, your truck or your equipment. Just your future receivables.
How RBF works
Simple math, no surprises
You receive an advance. You repay a fixed total amount (the advance plus a one-time factor fee). That total is collected as a set percentage of your sales until it's paid.
- Advance: the cash you get today (e.g. $50,000)
- Factor rate: a one-time multiplier, typically 1.15–1.40
- Total payback: advance × factor rate (e.g. $50,000 × 1.25 = $62,500)
- Remittance: a fixed % of sales (e.g. 8%) until the payback is complete
Factor rates are illustrative. Your rate depends on revenue consistency, time in business and industry. We always show total cost in dollars before you sign.
8%
of daily sales
of daily sales
RBF vs. traditional loan
Why owners pick revenue-based financing
| Weird Deals RBF | Bank term loan | |
|---|---|---|
| Time to funding | 24–48 hours | 3–8 weeks |
| Approval based on | Revenue & cash flow | Credit score, collateral, tax returns |
| Payment structure | % of sales — flexes with you | Fixed monthly payment |
| Collateral required | None | Often personal or business assets |
| Minimum credit | 500+ considered | Typically 680+ |
| Paperwork | 1-page app + 3–4 bank statements | Full financial package |
| Best for | Speed, inventory, expansion, seasonal gaps | Long-term, low-cost projects |
Popular uses
What owners fund with RBF
Inventory & bulk buysLock in supplier discounts and never miss a season.
Equipment & repairsReplace the walk-in cooler or the truck without draining reserves.
Marketing pushesSpend when the ROI is there, repay from the revenue it generates.
Payroll & cash gapsBridge slow-paying customers and keep the team paid on time.
ExpansionSecond location, new hires, bigger space.
Opportunity buysThat deal that will not wait six weeks for a bank.
Quick answers
RBF FAQ
Is revenue-based financing a loan?
No. It's a purchase of a portion of your future receivables at a discount. That's why approval is tied to your sales — not to a credit score or collateral — and why there's no fixed monthly payment or APR in the traditional sense.
What do I need to qualify?
Typically 6+ months in business, $10,000+ in average monthly revenue, and a business bank account. A credit score of 500+ is considered. We'll ask for a one-page application and your last 3–4 months of bank statements.
Will checking my offer hurt my credit?
No. We use a soft inquiry to generate your offer. A hard pull only happens if you accept and move forward with funding.
Can I pay it off early?
Yes — and many of our programs include early-payoff discounts that reduce your total cost. Ask your advisor about the terms on your specific offer.
Can I get more funding later?
Absolutely. Most clients become eligible for a renewal once they've paid down roughly half of their current balance, often at better terms.
See your revenue-based offer in minutes.
Soft credit check. One-page app. Real numbers, not a sales pitch.