Restaurants & retail
Repayment matches daily card volume automatically — no forecasting headache.
Revenue-share capital
Revenue Based Financing
Capital today, repaid as a small share of your incoming revenue. No fixed monthly payment — slow weeks cost you less. Built for businesses with real revenue but seasonal swings.
$2M
Max advance
Typically 10%–30% of trailing 12-month revenue.
1.15–1.4
Factor rate
Total repayment as a multiple of the advance.
4–18mo
Repayment
Pay back faster when revenue is strong.
0
Fixed payment
Repayment flexes with your sales.
Who it’s for
Revenue that doesn't fit a bank box
RBF fits high-seasonality, thin operating history, or revenue patterns that fixed payments would strain.
Seasonal services
Repay aggressively in season; pay almost nothing off season.
E-commerce
Card-not-present revenue that banks underwrite poorly — we don't.
The details
Terms & specifics
Final pricing depends on time in business, credit profile, revenue, and industry. Your specialist confirms every number in writing before you sign.
| Advance | $10,000 – $2,000,000Most commonly $50K – $400K. |
|---|---|
| Factor rate | 1.15 – 1.40Buy $100K for $115K–$140K total repayment. |
| Term | 4 – 18 monthsEstimated; actual term depends on revenue pace. |
| Repayment | % of daily revenueTypically 8%–15% of daily receipts. |
| Minimums | 6 months in business · $10K monthly revenue · 500 FICOThe most flexible on credit of any program. |
How it works
From application to funded
Five simple steps — with one specialist by your side the whole way.
- 01Complete the short online application
- 02Meet your financing specialist
- 03Review your tailored offer
- 04Finalize your agreement
- 05Funds deposited directly to bank
Other programs
Not quite the right fit?
These two are often the better match.
Funding desk
Ready to get funded?
Apply in minutes, or call to talk it through with a specialist who knows your business by name.