FLEXIBLE CAPITAL
Revenue-Based Financing
Revenue-Based Financing (RBF) is a flexible funding solution where you receive capital in exchange for a percentage of your future revenues. Unlike traditional loans with fixed payments, RBF payments automatically adjust based on your monthly revenue. When business is booming, you pay more and finish faster. During slower periods, payments decrease to match your cash flow. This alignment makes RBF particularly attractive for growing businesses.
Loan Details
- Loan Amount
- Terms
6-36 months (based on revenue)
- Rates
- Funding Speed
1-2 weeks
Key Features
- Payments scale with revenue
- No fixed monthly payment
- Fast approval process
- No equity dilution
- No personal guarantee (select programs)
- Funding up to $3M
Benefits
- Cash flow friendly repayment
- Faster than equity fundraising
- Keep 100% ownership
- No board seats or control given up
- Quick funding (1-2 weeks)
- Transparent pricing
Requirements
- 6+ months in business
- 580+ credit score
- $15,000+ monthly revenue
- Consistent revenue history
- Bank statements (3-6 months)
- Basic business documentation
Ideal For
- SaaS and subscription businesses
- E-commerce companies
- Businesses with recurring revenue
- Companies avoiding equity dilution
- Seasonal businesses
Frequently Asked Questions
Common questions about Revenue-Based Financing
How is RBF different from a merchant cash advance?
While both have flexible payments, RBF is based on total revenue (not just card sales) and typically has lower costs. RBF also usually has a cap on total repayment, while MCAs are based on factor rates.
What percentage of revenue goes to repayment?
Typically 6-12% of monthly gross revenue, depending on the funding amount and your business profile. This is negotiated upfront and remains consistent.
Is this considered debt or equity?
RBF is structured as debt, not equity. You don’t give up any ownership in your company, and the funder has no control over business decisions.
Ready to Get Started?
Our team is ready to help you secure the commercial real estate financing your business needs. Apply now or speak with a funding specialist.
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