Revenue Based Financing
Access working capital based on the strength of your revenue , not your collateral, not your credit history, and not your time in business. Frequently confused with a Merchant Cash Advance (MCA), it is a business loan with a term and set payments and not an advance on future sales like MCAs.
If your business generates consistent revenue, you may qualify.
Revenue based financing is one of the most accessible and straightforward ways for businesses to access working capital quickly -with approvals driven by how your business performs, not how long it’s been around.
What Is Revenue Based Financing?
Revenue based financing is a business loan where approval and funding amounts are determined primarily by your business revenue and cash flow. Unlike traditional bank loans that heavily weigh credit scores, collateral, and years in business, this product looks at what matters most – how much money your business is actually generating.
It’s a structured loan with a fixed repayment schedule -not an advance, not a percentage of sales. You receive a lump sum upfront and repay it in regular installments, giving you predictability and clarity on exactly what you owe and when.
This makes it a strong option for both established businesses looking to grow and newer businesses with solid revenue but limited credit history or time in business.
Who Is This For?
Established Businesses Strong revenue and consistent cash flow can unlock larger funding amounts and better terms – even if your credit isn’t perfect or you’ve been turned down elsewhere.
Newer Businesses with Revenue If your business is generating consistent monthly revenue but doesn’t yet have the credit history or time in business to qualify for traditional financing, revenue based financing may be your best path to working capital.
Businesses That Need Capital Fast With approvals driven by revenue rather than lengthy financial reviews, the process is faster and more straightforward than traditional bank financing.
Common uses include:
Working Capital – Keep day-to-day operations running smoothly without disrupting cash flow.
Expand & Scale – Open a new location, hire staff, or increase production capacity.
Marketing & Advertising – Invest in growth campaigns and generate returns without waiting on slow approvals.
Inventory & Supplies -Stock up ahead of busy seasons or fulfill large orders with confidence.
Equipment & Technology – Upgrade the tools your business needs to stay competitive.
Bridge Financing – Cover the gap between where your business is today and your next major milestone.
Revenue Driven Approvals - Your monthly cash flow is the primary qualification factor
Structured Loan Payments - Fixed repayment schedule so you always know what you owe
No Collateral Required - Unsecured funding based on business performance
No Restrictions on Use - Deploy funds wherever your business needs them most
GET FINANCING FOR YOUR BUSINESS NEEDS
Running a business is hard. Financing it shouldn’t be.
Our team is here to help you explore your options!
Required Documents and Qualifications
- Business bank statements (4- 6 months)
- 4+ Months in Business
- Business Formation Docs
- Previous Year Business Tax Return (over $250k)
- Current YTD Financials (Balance Sheet and P&L)
- $10,000 + Monthly Revenues
Finding the right lender on your own can be time consuming and frustrating. Our team understands the lending landscape and knows which lenders are actively funding businesses in your industry right now. We do the matching so you don’t have to chase dead ends.
