01
Flexible Payments
Pay a percentage of revenue. Slow month? Lower payment. Big month? Larger payment.
Revenue-Based Financing
Funding with payments that automatically adjust to your business revenue. Pay less during slow periods and more during busy times, and keep 100% ownership of your business.
- Funding from $25,000 to $5,000,000
- Funding in as little as 4 hours
- Payments scale with your total revenue
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
TrustScore 4.4 / 5 on Trustpilot
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Application to Flexible Capital
01
Show Your Revenue History
Tell us about your business and share your recent bank statements. We look at your revenue history, not just your credit score.
02
Get Your Funding Amount
Based on your revenue, we determine how much capital you can access and show you the total repayment amount up front.
03
Agree on Your Revenue Share
Settle on the fixed percentage of revenue that goes toward repayment. The percentage stays the same while the dollar amount moves with your sales.
04
Put Capital to Work
Funds arrive quickly so you can invest in inventory, hiring, marketing, or expansion while payments follow your actual revenue.
Funding That Adapts to Your Business Rhythm
What Is Revenue-Based Financing?
Revenue-based financing gives you a lump sum of capital that you repay with a fixed percentage of your ongoing revenue until the agreed total is reached. It is non-dilutive: you give up no equity, no board seats, and no control.
Here is how it works: we fund your business based on your revenue history. You then pay a set percentage of your daily or weekly revenue until the total repayment amount is reached. When sales are low, payments are low. When sales are high, payments are higher. Unlike a merchant cash advance, which is typically tied to credit card sales, revenue-based financing is usually based on all of your revenue, so it works for businesses that get paid by ACH, check, invoice, or subscription as well as by card.
Revenue-Based Financing Specifications
Instead of a fixed monthly installment, you repay a set share of your revenue. The percentage stays constant, so the dollar amount rises in strong months and falls in slow ones. Growing faster means paying off sooner.
Repayment is typically 5% to 15% of revenue, depending on the funding amount, your business profile, and your desired repayment timeline.
- Loan Amounts
- $25,000 to $5,000,000
- Rates
- 5% to 15% of revenue
- Terms
- 6 to 18 months
- Speed
- As fast as 4 hours
Businesses That Benefit Most From RBF
Revenue-based financing fits businesses whose revenue moves up and down with seasons, projects, or growth cycles, and who want flexibility without giving up ownership.
- Retail and E-commerceInvest in holiday inventory without facing big fixed payments in a slow January. Online stores with variable traffic are ideal candidates.
- RestaurantsPayments follow your covers. Busy weekends and patio season carry more of the repayment, slow weeks carry less.
- IT and SaaS CompaniesGrowing monthly recurring revenue means faster payoff, and you fund growth without diluting your ownership.
- LandscapingRepay faster during busy season and slower in winter, so off-season months are not squeezed by fixed payments.
- Staffing AgenciesHigher billings mean faster payoff. Payments ease when placements slow down between contracts.
- ConstructionPay more when draws are flowing and less between projects, instead of carrying a fixed payment through gaps.
How Credit Scores Factor Into RBF Approvals
Revenue-based financing is underwritten primarily on your revenue history. Your credit score is part of the picture, but consistent revenue carries more weight than it does with a traditional bank loan.
- Monthly revenue and deposit history are the key metrics
- Consistency of revenue over time builds confidence
- Time in business affects approval and terms
- Bank balances show your ability to handle repayment
Good news
Because approval is based on revenue history and not just credit scores, businesses with steady deposits can often qualify even when their credit is not perfect. Your bank statements tell the real story.
Strong, Steady Revenue
Larger funding amounts and a lower revenue share
760Score
Smaller or Newer Revenue
Smaller amounts available, builds toward larger future funding
502Score
Revenue-Based Financing at a Glance
5-15%
of revenue typically goes toward repayment. The percentage stays constant while the dollar amount follows your sales.
Source: Tree of Life Funding
6-18 mo
typical repayment window. There is no fixed term: strong months shorten it and slow months extend it.
Source: Tree of Life Funding
100%
ownership stays with you. No equity, no board seats, and no dilution, unlike venture capital.
Source: Tree of Life Funding
Evaluating Revenue-Based Financing
Pros
- Payments automatically adjust to your revenue
- Keep 100% ownership with no equity dilution
- Based on all revenue, not just card sales
- Approval based on revenue history, not just credit scores
- No prepayment penalties as your business grows
- Use funds for any business purpose
Cons
- Total cost is usually higher than a traditional bank loan
- Revenue share reduces cash available in strong months
- Slow periods extend the time it takes to repay
- Requires consistent revenue history to qualify
RBF vs Other Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Revenue Based Financing | $25K to $5M | 5% to 15% of revenue | As fast as 4 hrs |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
RBF Qualification Requirements
- Monthly Revenue
- $15K+
- Time in Business
- 6+ months
- Equity Given Up
- 0%
Get Your Revenue-Based Financing
The application focuses on your revenue, not a stack of paperwork. Offers show the revenue share and total repayment clearly.
Apply for RBFStep 1: Submit Application
Provide basic business information and tell us how much capital you need. Takes about 5 minutes to complete.
Step 2: Share Revenue Data
Upload recent business bank statements so we can see your revenue history and how it moves month to month.
Step 3: Review and Accept
Receive your offer with clear terms showing the funding amount, total repayment, and the percentage of revenue that goes toward repayment.
Similar Funding Products
If revenue-based financing is not the right fit, these alternatives might work better for your situation.
RBF by Industry
These industries commonly use revenue-based financing to smooth out variable revenue and fund growth.
FAQs
Revenue-Based Financing Questions
You pay a fixed percentage of your daily or weekly revenue until the total repayment amount is reached. When sales are low, payments are low. When sales are high, payments are higher.
Similar concept, but revenue-based financing typically applies to all revenue, not just card sales, and may have a different fee structure. That makes it a better fit for businesses paid by ACH, check, or invoice. We can help you compare both options.
Typically 5% to 15% of revenue, depending on the funding amount, your business profile, and your desired repayment timeline. The percentage stays constant.
That is the benefit. Your payment automatically decreases with your revenue, so you are protected during slow periods. Keep in mind that slower revenue means it takes longer to reach the total repayment amount.
Not exactly. You repay faster when revenue is strong and slower when it is not. Most businesses repay within 6 to 18 months.
No. Unlike venture capital, revenue-based financing is non-dilutive. You keep 100% ownership, with no board seats and no control issues.
Yes. The more your business grows, the faster you can pay it off, and there are no prepayment penalties.
Funding can happen in as little as 4 hours once you are approved and your documents are complete.
Approval is based on your revenue history, not just your credit score. Consistent deposits and time in business carry significant weight.
Inventory, hiring, marketing, equipment, expansion, or covering a seasonal gap. There are no restrictions on how you use the capital in your business.
Funding That Matches Your Business Rhythm
Find out how much you qualify for based on your revenue. Our team will walk you through the revenue share, total repayment, and how it compares to your other options.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score