What is revenue-based financing?
Funding that moves with your business. You receive a lump sum today and repay it with a percentage of your future sales, so what you pay tracks what you earn. It is a purchase of future revenue, not a loan.
How is this different from a bank loan?
A bank loan is borrowed money you repay on a fixed schedule with interest. Revenue-based financing is not borrowed money. We buy a portion of your future sales at a set price, so there is no interest rate and no fixed monthly payment. Approval looks at your revenue and bank activity before your credit history, which is why businesses a bank would turn down on paper are often a fit here.
What do I need to get my offer?
Three things: your completed application, a valid government-issued ID, and your last 4 business bank statements. The bank statements are what actually determine your offer, so having them ready is the difference between an answer today and an answer next week.
Does applying affect my credit score?
No. We do a soft credit pull only, with no impact on your score, and it is not visible to other lenders as an inquiry.
How quickly can I get approval?
Most applications are approved within 24 hours of us receiving your complete file. The application itself takes a few minutes, so how fast you hear back depends mostly on how quickly you send your bank statements.
How much funding can I get?
Funding ranges from $10,000 to $100,000. The amount you are offered depends on your monthly revenue and how consistent it is, since what you remit each week is based on a percentage of your sales.
What are the minimum requirements to qualify?
Four months in business and at least $8,000 in monthly sales. If you meet both, send us your application and we will tell you where you stand.
How are rates determined?
Your rate depends on how long you have been operating, your monthly revenue and how steady it is, and your credit profile. Whatever the rate, your offer shows one fixed total repayment amount before you sign, so you know the full cost up front rather than watching it accrue.
How do payments work?
One fixed weekly ACH debit from your business bank account. The amount is set when you are funded, calculated as a percentage of your projected weekly sales, and it continues weekly until the agreed total has been remitted.
What happens if my sales drop or increase?
Your weekly amount starts as a projection, so it will not always match what your business actually does. Either side can request an adjustment. Send us your bank statements from the prior two months and we will recalculate your weekly amount to match your real sales. If we collected more than your agreed percentage over that period, you get the difference back. The full mechanics are set out in your agreement.
See what you qualify for
Takes less than 3 minutes. Soft credit pull only, no impact on your score.
Apply now