Revenue-Based Financing for small business.
Revenue-based financing provides upfront capital in exchange for a share of future business deposits until a defined payback amount is reached. In many of these structures, remittances rise and fall with revenue, though mechanics depend on the specific agreement.
Working Capital · Revenue-based financing is one structure within the broader working-capital category. Explore working capital for the fuller range of operating-capital structures and use cases.
How revenue-based financing works
Underwriting reviews 4 months of business deposits to size an advance you can support. You receive an offer with the funded amount, payback, holdback percentage, and estimated term — all in writing. You sign, funds clear, and remittances begin automatically.
How this product is structured
The written offer and financing contract contain the economic terms that apply to this structure — including the total repayment where the structure establishes one — before you commit.
Typical profile
- At least 4 months in business
- $10,000+ in monthly deposits
- Business bank account
Requirements vary by product, provider, and overall business profile.
What shapes your terms
No single number decides an offer. Underwriting weighs how these factors combine on your file:
- Revenue level and deposit consistency
- Time in business and industry
- Existing obligations and payment history
- Collateral or guarantees, where the structure uses them
- Documentation completeness and overall file quality
- The structure itself — pricing mechanics differ by product
Who revenue-based financing fits
Revenue-based advances fit businesses with steady deposits whose monthly volume varies. The payment flexes with revenue, protecting cash flow in slower weeks. Common in restaurants, retail, and seasonal operators.