Revenue-Based Financing
Funding structured around your receivables — with offers based on your recent business bank statements.
What it is
Revenue-based financing is the purchase of a portion of your business’s future receivables in exchange for funds today. It is not a loan. Rather than a fixed loan with a set interest rate, you receive an amount up front, and remittances are structured in relation to your business’s revenue. Because the arrangement is tied to your receivables, it’s often a fit for businesses with consistent deposit activity that want funding without the longer timelines of traditional underwriting.
Who it’s best for
- Established businesses with regular sales and deposit activity.
- Owners who want a simple application and a statement-based review rather than an extensive document packet.
- Businesses looking to fund a near-term opportunity — inventory, payroll, equipment, marketing, or expansion.
It tends to be less suitable for brand-new businesses without an operating history, or for owners who specifically need a fixed-rate term loan from a bank.
How the funds work
Once an offer is accepted and documents are executed, funds are delivered to your business bank account. Remittances are then made on an agreed schedule and are designed to move with the rhythm of your revenue. The specific funded amount, factor, remittance schedule, and term are determined during review and are set out in your agreement — there are no one-size-fits-all figures, and nothing is guaranteed before review.
Example use cases
- Inventory ahead of a busy season — stock up before demand rises and remit as sales come in.
- Bridging a timing gap — cover payroll or supplier payments while receivables are still landing.
- Equipment or repairs — keep operations running without draining working capital.
- Marketing or expansion — invest in growth and align remittances with the revenue it generates.
What to expect on timing
Deals are typically funded within 48 business hours, depending on execution of documents by the merchant and bank processing times. Funds are not guaranteed next day, and approval and terms are always subject to review of your submitted documentation. Not all products are available in all states.