Funding repaid from a share of future revenue or fixed payments sized to revenue; approval rests mostly on deposit history.
Check my optionsFinancing options
Revenue-based financing provides capital in exchange for a share of future revenue, with repayment tied to sales rather than a fixed interest schedule. For small businesses, it most often takes the form of merchant cash advances and similar products sized on bank deposits.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Advances, lines of credit and second-position options in one place.
Existing balances of $100,000 or less can be bought out.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
The core idea is simple: the funder looks at how much revenue the business generates and provides an amount based on that revenue. Repayment comes from future revenue, either as a fixed percentage of sales or as fixed payments estimated from average revenue, until a set total is repaid. The total is typically the amount funded multiplied by a factor, or a multiple of the amount, agreed at the start.
There are two main flavors. In small-business funding, revenue-based products are usually short-term, underwritten on several months of bank statements and repaid daily or weekly, with credit considered from 500. In venture-style revenue-based financing for software and subscription companies, funders provide larger amounts repaid as a percentage of monthly revenue over a longer period, usually with stronger revenue history requirements.
The advantages are speed, accessibility and payments that can flex with sales when structured as a percentage. The disadvantages are cost, typically higher than bank loans, and frequent payments that can strain cash if the amount is too large. Unlike equity, it does not dilute ownership; unlike a bank loan, it usually does not require hard collateral.
Revenue-based financing fits businesses with steady revenue and a short-term, high-return use: inventory, seasonal staffing, marketing with proven returns or bridging a receivables gap. It fits poorly for long-term projects or businesses with thin margins.
MFE offers revenue-based options from multiple funders, alongside lines of credit and second-position financing, through one application.
Revenue-based financing also differs by how revenue is measured. Some funders look only at card sales, others at all bank deposits, and venture-style providers at recognized revenue from subscriptions. Knowing which measure a funder uses tells you which numbers to strengthen before applying.
Here is a revenue-based offer in plain dollars. Illustrative numbers.
| Amount funded | $75,000 |
| Factor rate | 1.28 |
| Total payback (amount × factor) | $96,000 |
| Fees deducted at funding (5%) | $3,750 |
| Net cash you receive | $71,250 |
| Weekly payment over 44 weeks | $2,182 |
| Same total as daily debits (~220 business days) | $436/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Sizing | Based on revenue or deposits |
| Repayment | Percentage of sales or fixed estimated payments |
| Total cost | Factor or multiple agreed upfront |
| Ownership | No dilution |
| Collateral | Usually no hard collateral |
Good fit:
Probably not yet:
Capital provided in exchange for a share of future revenue, repaid from sales.
It depends on structure; many small-business versions are receivables purchases.
As a percentage of sales or fixed payments estimated from revenue.
A factor or multiple agreed upfront; usually more than a bank loan.
No.
Small-business revenue-based options consider scores from 500.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding