Revenue-Based Financing

Funding that can flex with your sales

With revenue-based financing, repayment is tied to your incoming revenue rather than a flat fixed installment. When sales are lighter, the payment can move with them — useful for businesses with uneven months.

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What it is

Capital today in exchange for a share of future revenue until an agreed amount is repaid. Because repayment scales with sales, the pace can ease in slower periods and pick up in stronger ones.

Who it’s best for

Businesses with steady card or deposit volume but variable monthly revenue — retail, e-commerce, hospitality, and service businesses that want payments to track performance.

How the funds work

Repayment that moves with revenue

1

Receive capital up front

A lump sum based on your recent and projected revenue.

2

Repay as a share of sales

A set percentage of revenue goes toward repayment, so the dollar amount flexes month to month.

3

Finish at an agreed total

Repayment continues until the agreed amount is met — confirm the total cost before accepting.

Example use cases

Where revenue-based financing fits

Seasonal businesses — payments that ease during the slow season.
Inventory & marketing pushes — funding growth that itself drives more sales.
Card-heavy revenue — retail, restaurants, and e-commerce with consistent volume.
Smoothing uneven months — when a flat fixed payment would be hard to size.

Curious whether this fits your revenue pattern?

Checking your options is a soft inquiry that won’t affect your credit score. We’ll review the total cost and how it compares to a loan or line of credit.

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