Get approved based on your revenue — not your credit score or banker relationships.
Funding Amount
$25K – $5M
Term Length
3 – 18 months
Funding Speed
Same Day
Min. Credit
500+ FICO
Revenue-based financing gives your business a lump sum of working capital upfront, repaid as a fixed percentage of your future revenue over an agreed term. Unlike a traditional bank loan, there's no compounding interest or APR — you agree to a single, transparent cost upfront that never increases. This means you always know exactly what you'll repay, and if your revenue dips during a slow period, your payment can be structured to flex with it. Approval is based on your business's real performance — your bank deposits and revenue history — not a lengthy bank application, personal asset requirements, or a perfect credit score.
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Cover Payroll
Bridge gaps between client payments and weekly payroll obligations.
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Inventory Purchase
Buy inventory in bulk at a discount without waiting for receivables.
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Equipment Repairs
Handle urgent repairs or replacements without disrupting operations.
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Marketing Push
Fund seasonal campaigns or advertising when opportunity strikes.
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Expansion Costs
Open a new location or hire staff to handle increased demand.
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Cash Flow Gaps
Smooth out slow seasons or client payment delays.
Basic requirements — most businesses qualify in minutes.
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Time in Business
6+ Months
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Monthly Revenue
$10K+
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Credit Score
500+ FICO
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Bank Statements
4 Months
No credit impact · Takes 2 minutes
A traditional loan charges compound interest over time — your effective cost grows the longer the loan runs. Revenue-based financing uses a single flat cost called a factor rate. You agree to repay a specific total amount (e.g., $130,000 on a $100,000 advance), and that number never changes regardless of how long repayment takes. There is no APR, no compounding, and no hidden fees.
Not great credit, no — you just need a 500+ credit score. Beyond that minimum, approval is based primarily on your business's revenue and deposit history, not your credit history.
Your repayment is structured around your revenue profile at the time of funding. If your business hits a slow period, reach out to your advisor — we can discuss options. Flexibility is one of the key differences between this product and a rigid fixed-payment bank loan.
Most approvals happen within hours. Once you accept your offer and sign documents, funds are typically in your account the same day or next business day.
Yes — once you've repaid approximately 50% of your advance, you're typically eligible for a renewal or additional advance, often with improved terms based on your payment history.