Capital that keeps pace with your sales.
Get a lump sum based on how your business is selling, then repay with a share of future revenue.
- How much
- Based on monthly revenue
- How fast
- As soon as next business day*
- Repay over
- Typically 3 to 18 months
The short version.
Revenue-based financing gives your business a lump sum today in exchange for a set amount of future sales. Payments come out on a daily or weekly schedule, and on many programs they can adjust when sales slow down.
Approval leans on your bank activity, not collateral or a perfect credit score. That makes it one of the fastest ways to put working capital in your account.
A good fit for
- Businesses with steady deposits and a near-term need
- Seasonal businesses that want payments tied to sales
- Owners who need cash in days, not months
- Files a bank would turn down for credit or time in business
Revenue-based financing vs. a term loan
| Revenue-based financing | Term loan | |
|---|---|---|
| Approval based on | Recent sales and bank activity | Credit, financials, collateral |
| Speed | Often 1 to 3 business days | Days to weeks |
| Payments | Daily or weekly, often tied to sales | Fixed, usually monthly |
| Total cost | Fixed payback set up front | Interest over the term |
| Best for | Fast, short-term needs | Planned, longer-term investments |
What it usually takes.
Typical starting points. Stronger files usually unlock more.
About revenue-based financing
How is the amount decided?
Mostly by your average monthly deposits, how consistent they are, and what other financing you already carry. Strong, steady files usually qualify for more.
What does it cost in total?
Your total payback is fixed when you sign, so it doesn't grow with time the way interest can. You'll see the full amount before you accept anything.
Can I get more later?
Often, yes. After a solid payment history, many businesses qualify for additional funding.