Repayments scale with your revenue — as your business grows, you pay back faster. No fixed payment burdens during slow periods.
Revenue-Based Financing (RBF) is an innovative funding structure designed specifically for businesses with strong sales but unpredictable cash flow. Rather than fixed monthly payments, your repayments are set as a fixed percentage of your monthly revenue. When revenue is high, you repay more and pay off the financing faster. When revenue dips — whether seasonally or due to market conditions — your payment automatically shrinks with it. This creates a natural alignment between your business cycle and your debt obligations, preventing the cash flow crises that come with rigid fixed-payment products.
We advance a lump sum based on a percentage of your monthly revenue — typically up to 20–30% of your annual revenue. We then collect a fixed percentage of your monthly sales until the advance plus our agreed-upon return is repaid. Because repayments fluctuate with revenue, there is no risk of a payment default due to slow periods. The payment automatically adjusts — you never owe more than a percentage of what you earn.
Typically between 10–25% of monthly revenue, depending on the size of the advance and your business profile. This percentage is agreed upon before funding and never changes.
Yes — there is an agreed ceiling on total repayment (often 1.3x to 1.5x the original advance). Once that cap is reached, the arrangement ends automatically, regardless of how long it took.
No. Revenue-Based Financing is a loan product, not equity. You retain 100% ownership of your business at all times.
While similar in structure, RBF typically offers better terms and is based on gross revenue rather than credit card receivables specifically. It also tends to have more transparent pricing and a defined repayment cap.
Your repayment amount drops with it. There is no penalty for lower revenue months — the payment automatically adjusts. This protects your cash flow during difficult periods.
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