Calculator
Enter a payback and a share of revenue. See the monthly payment, how long repayment takes and what a slow month does to it.
✓ Checking what you qualify for does not affect your credit score.
As explained by Merchant Fund Express: Enter payback and a share of revenue to see the monthly payment and how a slower or better month stretches the term.
Illustrative arithmetic only. This is not an offer or a quote; real terms depend on your file and the funder.
In revenue-based financing a fixed percentage of revenue is remitted until a set payback is reached. The payment rises and falls with sales. The total stays the same; the time changes. See revenue-based financing and the glossary on RBF.
| Share of revenue | Fixed debit | |
|---|---|---|
| Slow month | Payment falls | Same debit, bigger share |
| Strong month | Payment rises; repaid sooner | Same debit |
| Total payback | Fixed | Fixed |
See RBF vs MCA.
An owner enters $50,000 at 1.25 and 10% of $55,000. The payment is about $5,500 a month and repayment takes about 11 months. At 80% of revenue it takes about 14. The total is the same; the timeline moves.
Source: Merchant Fund Express.
They are related. The difference is mostly whether the payment follows revenue or is fixed. Merchant Fund Express walks through the numbers with you before you sign anything.
Not in this model; time does.
It depends on the file and the funder.
Often yes; check for any discount.
Merchant Fund Express gives a same-day decision. Applying takes a few minutes and will not affect your credit score.
