Revenue-Based Funding

Revenue-based funding represents a fundamentally different approach to business capital than traditional loans. Instead of fixed monthly payments, you repay a percentage of your daily revenue until you've returned the agreed-upon amount plus a modest growth fee. This alignment between your repayment obligation and your actual business performance makes it ideal for growing companies with variable or unpredictable revenue patterns.

Traditional debt can be burdensome during slower months—your business might be experiencing legitimate dips in revenue, but the bank still expects the same payment. Revenue-based funding solves this problem. If your revenue drops due to seasonality, market conditions, or normal business cycles, your repayment obligations automatically decrease proportionally. Conversely, when your business booms, you pay back your funding faster and move on with less total cost of capital.

This funding model works exceptionally well for SaaS companies, digital agencies, e-commerce businesses, and subscription-based models where revenue is predictable but variable. We also serve seasonal businesses, service providers with project-based income, and any company whose cash flow fluctuates month-to-month. Unlike equity financing, you retain 100% ownership of your company. Unlike loans, you don't face the pressure of fixed payments that might exceed your capacity during slower months.

The application process for revenue-based funding is remarkably simple. You'll connect your business bank account or integrate with your accounting software to give us visibility into your recent revenue. We typically approve qualified businesses within 24-48 hours. Funding amounts range from $25,000 to $500,000 depending on your average monthly revenue and growth trajectory. A business generating $15,000 monthly in revenue might qualify for $50,000 in funding, while a business with $100,000 monthly revenue could access $300,000 or more.

The repayment model is straightforward: you commit to paying back a percentage of your daily revenue (typically 2-8% depending on the amount and terms) until you've returned the principal plus a fixed growth fee (usually 25-40%). At that point, your obligation is complete—no ongoing interest, no lingering loan balance. Most businesses complete repayment in 18-36 months, though the structure ensures you'll never over-commit relative to your business's true capacity. This makes revenue-based funding particularly attractive for founders and business owners who want growth capital without the stress of fixed debt obligations.

Revenue-Based Funding rates currently range from 4.5% to 12% depending on your specific real-time credit tier, monthly revenue, and time in business. Use our interactive payment estimator below to calculate your exact estimated rate and monthly payment based on your business profile.