Working capital that moves at the speed of your business
Revenue-based financing gives you a lump sum today in exchange for a fixed share of future receivables. Approval is driven by your deposits and cash flow, so decisions come fast.
Capital based on your sales, not your collateral.
Revenue-based financing is built for businesses with consistent sales that need capital faster than a bank can deliver. Rather than focusing on years of tax returns or hard collateral, our underwriters look at your recent bank activity to size an offer you can comfortably carry.
You receive a single lump sum and repay a fixed amount through automatic daily or weekly debits. The total cost is fixed and disclosed in writing before you sign, so there is no rate that changes over time.
What you need
- 6+ months in business
- $5K+ in average monthly deposits
- Business bank account
- Last 4 months of statements
How owners put it to work.
Funds can be used for any legitimate business purpose.
Inventory and stock
Buy ahead of a busy season or take advantage of a supplier discount.
Payroll gaps
Keep your team paid through slow months or delayed receivables.
Time-sensitive opportunities
Say yes to a large order or contract without waiting on a bank.
What to expect.
One underwriter handles your file from start to finish.
- Step 1
Apply
Short online application and recent bank statements.
- Step 2
Review
In-house underwriting, typically within one business day.
- Step 3
Offer
Written terms with the total cost disclosed before you sign.
- Step 4
Fund
Sign electronically and receive funds by wire or ACH.
About working capital.
How is revenue-based financing structured?
It is a purchase of a portion of your future receivables at a discount. Your agreement will state the purchased amount, the total repayment amount, and the payment schedule.
Can I get more capital later?
Yes. Once a meaningful portion is paid down, you may qualify for additional capital based on your updated performance.
Do you run a credit check?
Yes. A credit check is part of our review, alongside your bank activity, cash flow, and time in business. Business performance carries the most weight in our decisions.
How quickly can I receive funds?
Many revenue-based financing deals are approved within 24 hours of a complete file and funded the same day. Purchase order, asset-based, and equipment financing typically take three to ten business days.