Financing Amounts Up to $5 Million
Secure the funding you need for inventory, marketing, repairs, working capital, and more without putting personal assets as collateral.

• Flexible Payment Options
  Choose from daily, weekly, or monthly payments based on your business’s revenue. Payments are automatically debited via ACH.

• Minimal Paperwork
  Complete your application in as little as 10 minutes. We only ask for what’s necessary to get you the funds you need quickly.

• Quick Approvals
  With a simple application, approvals can happen in as little as 4 hours, and qualified businesses may receive funds within 24 hours.

Minimum Qualifying Requirements for Revenue-Based Financing
To qualify for revenue-based financing, your business needs to meet the following criteria:

• Time in Business: 2 years

• Annual Revenue: $250,000

• Credit Score: 650+

• Location: U.S. based

Understanding Revenue-Based Financing Requirements

• Annual Revenue: Since repayments are based on a percentage of your revenue, we need to ensure your business can manage payments while continuing to grow.

• Time in Business: Having at least two years in business helps demonstrate your ability to manage revenue fluctuations.

• Personal Credit Score: While not the main factor, a good credit score shows you manage finances well, which is important when making financial decisions.

How Can You Use Revenue-Based Financing to Grow Your Business?
Revenue-based financing can support various business goals, including:

• Expand Your Footprint: Launch new products, services, or open new locations.

• Add to Your Team: Hire temporary or permanent employees for special projects.

• Enhance Your Marketing: Fund marketing campaigns to attract new customers and increase revenue.

• Modernize Operations: Invest in technology or equipment to streamline business operations.

How Revenue-Based Financing Works
Instead of a traditional loan, revenue-based financing provides funds based on your business's future sales. Here's how it works:

1. You receive a lump sum of cash.

2. Repayments are made as a percentage of your revenue until the total agreed amount is paid.

3. When your business performs well, you pay more; during slower times, payments decrease.

4. Once the total amount is paid, your obligation is complete.

Revenue-Based Financing vs. Traditional Loans
Revenue-based financing differs from traditional loans by offering payments tied to your business's performance, which means you pay more when revenue is high and less when it's low. Unlike loans, there are no fixed monthly payments or interest.

Pros & Cons of Revenue-Based Financing

Advantages

• Easy Access to Funds: Ideal for businesses that might not qualify for traditional loans due to credit history or collateral.

• Quick Financing: Funding can be secured within 24 hours after approval.

• Flexible Payments: Payments adjust based on your revenue, offering more flexibility.

Disadvantages

• Higher Total Cost: The overall cost may be higher compared to traditional loans.

• Longer Payment Periods: Slow revenue periods can extend the repayment term.

• Cash Flow Impact: Regular payments based on sales can affect available working capital.

Who Should Use Revenue-Based Financing?
This option works well for a wide range of industries, including:

• Personal Services

• Business Services

• General Contractors

• Restaurants

• Retail

• Specialty Trades

Small Business Use Cases for Revenue-Based Financing

• Heavy-duty Business Growth: Jose, a construction business owner, uses revenue-based financing to purchase equipment for larger projects. This helps him land higher-paying contracts and grow his business.

• Adding Success to the Menu: Elaine, a restaurant owner, uses revenue-based financing to expand her kitchen and seating area to accommodate more customers. This leads to increased revenue and better customer satisfaction.

• Purrr-sistence Pays Off: Jeremy, a pet groomer, uses financing to lease a larger space and buy updated equipment. The larger facility allows him to take on more clients and increase his business's revenue.

How to Apply for Revenue-Based Financing
Applying is quick and easy:

1. Complete a short online application.

2. Upload 3-6 bank statements.

3. Meet with your Financing Specialist to discuss terms.

4. Finalize your agreement and receive funding.

Using Revenue-Based Financing Funds Wisely
Invest funds in opportunities that will generate higher revenue, such as expanding product lines, marketing campaigns, or upgrading equipment. Always calculate your expected return on investment (ROI) before making significant commitments.

What to Do If You’re Declined for Revenue-Based Financing
If you’re not approved, don’t worry! Speak with one of our financing specialists to explore alternative financing options that may better suit your needs.