Repay as a share of revenue
Revenue-Based Financing
Funding repaid as a percentage of monthly revenue instead of a fixed loan payment.
Revenue-based financing advances capital against future revenue, with payments that flex up in strong months and down in slower ones. It's priced as a fixed total payback rather than an interest rate, so the true annualized cost takes a bit more work to compare.
Read the complete guide →Best for
- Businesses with fluctuating but consistent monthly revenue
- Owners who want payments to flex with sales
- Growth spending that will lift near-term revenue
Common uses
- Inventory ahead of a busy season
- Marketing or growth spend
- Smoothing revenue swings
What you'll need
- Consistent monthly revenue history
- Business bank statements
- Repayment ability
- Owner credit reviewed
At a glance
- Amount
- Up to $1,000,000
- Repayment
- A % of monthly revenue
- Pricing
- Fixed total payback, not an interest rate
Revenue-Based Financing: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
A single advance repaid as a fixed percentage of monthly revenue until the total payback is met.
Best for: Predictable, steady revenue you can forecast a few months out.
Estimate your revenue-based financing
Move the sliders to explore. These are illustrative figures, not an offer.
Total you'd repay
$120,000
- Total cost of capital
- $20,000
- Est. weekly payment
- $2,308
- Simplified APR
- ~20%
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms. An MCA is priced by a factor rate, not an APR; the effective APR is typically higher than the simplified figure shown, and your advisor discloses it before you commit.
Revenue-Based Financing questions
Is this the same as a merchant cash advance?
It's similar in spirit — repayment tracks revenue — but revenue-based financing is typically priced and structured more transparently. Your advisor shows both side by side.
What does "compare the annualized cost" mean?
Because you're quoted a total payback amount, not a rate, the true cost only becomes clear once you translate it to an annualized figure. We walk through that math with you before you commit.
What happens in a slow month?
Payments are typically tied to revenue, so they ease off when sales dip — though the total amount owed doesn't change.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Payments flex with revenue; total payback is typically quoted as a fixed amount — compare the implied annualized cost, not just the payment.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.