Flexible Repayment Based on Your Revenue
Repay as a percentage of monthly revenue — when sales are up, you pay more; when they're down, you pay less.
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What Is Revenue-Based Financing?
Revenue-based financing (RBF) is a flexible funding option where you repay the loan as a fixed percentage of your monthly revenue. Unlike traditional loans with fixed monthly payments, RBF adjusts to your business's cash flow — making it ideal for businesses with seasonal or fluctuating income.
Instead of pledging collateral or giving up equity, you agree to share a percentage of your future revenue until the loan is repaid. This structure aligns repayment with your business performance.
Pros
- Payments adjust with revenue fluctuations
- No collateral or equity required
- Fast approval and funding
- Easier to qualify than traditional loans
- Aligns with business cash flow
Cons
- Higher total cost than traditional loans
- Revenue sharing can impact cash flow
- Requires consistent revenue history
- May take longer to fully repay
- Not suitable for pre-revenue startups
Who Should Consider Revenue-Based Financing?
Revenue-based financing is ideal for businesses with strong, consistent revenue but limited collateral or those who want to avoid giving up equity. It's particularly well-suited for:
- SaaS and subscription-based businesses
- E-commerce businesses with seasonal sales
- Service businesses with fluctuating income
- Startups needing growth capital
- Companies with recurring revenue
- Businesses avoiding equity dilution
Eligibility Requirements
Time in Business
6+ months operating
Monthly Revenue
$10,000+ per month
Revenue Growth
Consistent or growing revenue
Credit Score
550+ (flexible)
Rates & Terms
| Feature | Details |
|---|---|
| Funding Amount | $10,000 – $5,000,000 |
| Revenue Share | 2% – 15% of monthly revenue |
| Repayment Term | 12 – 60 months (varies by revenue) |
| Total Repayment | 1.3x – 2.0x of funded amount |
| Approval Time | 1 – 3 business days |
| Funding Speed | 3 – 7 business days |
| Collateral | Not required |
| Best For | Businesses with consistent revenue |
Is Revenue-Based Financing Right For You?
If you have strong, consistent revenue but want flexible repayment that adjusts with your cash flow, revenue-based financing could be perfect. It's especially valuable for businesses with seasonal fluctuations or those wanting to avoid giving up equity.
Ready to Get Flexible Financing?
Apply now and get a decision in as little as 24 hours
Rates, Terms & Approval Disclosure: All loan amounts, interest rates, repayment terms, and funding timelines shown on this page are representative ranges only and are not guaranteed. Actual offers are determined by individual lender underwriting criteria and depend on your business revenue, credit profile, time in business, and other factors. Approval is not guaranteed. Capital Corner is a loan broker — not a direct lender — and does not make credit decisions. We connect applicants with our network of third-party lending partners who make all final lending decisions. Submitting an application does not constitute a commitment to lend, and no funds will be disbursed without a signed agreement from an approved lender. Results vary. Not all applicants will qualify for the amounts or rates advertised. This information is for general educational purposes only and does not constitute financial, legal, or tax advice.