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RECEIVABLES-BASED FUNDING
Revenue-Based Financing
Growth capital that scales with revenue—pay more when business is strong, less when it slows. No equity dilution, no fixed payments crushing cash flow during lean months.
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$50K-$1M
Typical Amounts
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1-3 days
Funding Speed
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15-35%
APR Range
60-70%
Approval Rate
OVERVIEW
What is Revenue-Based Financing?
RBF provides growth capital in exchange for a percentage of your monthly revenue—until you repay a predetermined cap.
How RBF Works
1
You receive capital
Get funding upfront based on your monthly recurring revenue (MRR) or annual revenue run rate.
2
Repay a fixed percentage (typically 2-10%) of monthly revenue—not a fixed dollar amount.
3
Repayment caps at a multiple
Once you have paid back 1.3x-2x the original advance, the agreement ends. No perpetual payments.
4
No equity given up
Unlike venture capital, you retain 100% ownership and control of your business.
ADVANCE AMOUNT
$150,000
REVENUE SHARE
6% of monthly revenue
REPAYMENT CAP
$225,000
(1.5x multiple)
ESTIMATED MONTHLY PAYMENT
$6,000-$12,000
Based on $100K-$200K MRR
ESTIMATED DURATION
18-24 months
COMPARE
How Business Cash Advance Compares
See how MCAs stack up against traditional financing options.
Feature
Revenue-Based Financing
Term Loan
Line of Credit
Approval Speed
1-2 weeks
2-6 weeks
1-3 weeks
Credit Score
Moderate (600+)
680+
650+
Repayment Flexibility
High (% of revenue)
Low (fixed monthly)
Medium (interest only)
Collateral Required
No
Often yes
Sometimes
Equity Dilution
None
None
None
Typical Cost
15-35% APR equivalent
7-15% APR
10-25% APR
Revenue Requirements
$10K+ MRR
Varies
$50K+ annual
Best For
SaaS, subscription, e-commerce
Established businesses
Ongoing working capital
CALCULATOR
Calculate Your RBF Payment
Adjust the inputs to see how revenue-based financing would work for your business.
QUALIFICATION
Is Your Business a Good Fit for RBF?
RBF works best for businesses with predictable, recurring revenue. Here are the ideal candidates.
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SaaS & Subscription
Monthly recurring revenue (MRR) makes repayment predictable.
TYPICAL CRITERIA:
$10K+ MRR
6+ months operating history
70%+ revenue retention
Positive unit economics
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E-commerce
Consistent online sales with repeat customers.
TYPICAL CRITERIA:
$50K+ monthly sales
12+ months in business
Positive gross margins (30%+)
Direct-to-consumer focus
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Mobile Apps
In-app purchases, subscriptions, or ad revenue.
TYPICAL CRITERIA:
$5K+ monthly revenue
Growing user base
Proven monetization model
Low churn rate
Professional Services
Agencies, consultancies with retainer clients.
TYPICAL CRITERIA:
$20K+ monthly revenue
Retainer or recurring contracts
B2B customer base
12+ months operating
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Not a Good Fit
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RBF does not work well for these business types
Businesses with unpredictable or seasonal revenue
Pre-revenue startups or very early stage
Brick-and-mortar retail without e-commerce
Companies with negative gross margins
One-time project-based businesses
Asset-heavy businesses (manufacturing, construction)
USE CASES
When Should You Use RBF?
RBF is ideal for specific growth scenarios where flexibility matters more than low cost.
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Rapid Growth Capital
Fuel customer acquisition, product development, or market expansion without waiting months for VC funding.
TYPICAL CRITERIA:
Scale marketing campaigns
Hire key team members
Enter new markets quickly
WORKS BEST WHEN:
Product Development
Build new features, launch new products, or invest in R&D without diluting equity.
TYPICAL CRITERIA:
Develop v2.0 of your product
Add enterprise features
Improve infrastructure
WORKS BEST WHEN:
Customer Acquisition
Invest in sales, marketing, or customer success to accelerate growth while staying in control.
TYPICAL CRITERIA:
Launch paid ads campaigns
Hire sales team
Invest in content marketing
WORKS BEST WHEN:
Bridge to Profitability
Cover operating expenses while you refine product-market fit or reach cash-flow positive.
TYPICAL CRITERIA:
$20KExtend runway 12-18 months+ monthly revenue
Reach next revenue milestone
Achieve profitability
WORKS BEST WHEN:
TRADE-OFFS
RBF Pros & Cons
Every financing option has trade-offs. Here is an honest assessment of RBF.
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Advantages
Keep 100% ownership and control of your company
Pay more when revenue is high, less when it dips
1-2 weeks vs months for VC or bank loans
Based on revenue performance, not assets
No board seats, voting rights, or loss of control
Potential for larger loan amounts than alternatives
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Considerations
Effective APR typically 15-35% vs 7-15% for bank loans
Ongoing % of revenue goes to repayment, not operations
Not suitable for businesses with irregular income
Some providers ask founders to guarantee repayment
Works best for SaaS, e-commerce, subscriptions
Large revenue share may concern future investors
HOW IT WORKS
How to Get Revenue-Based Financing
From application to funding in 4 simple steps. Most businesses get funded within 1-2 weeks.
Apply
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Submit basic business information and connect your revenue data (bank account, payment processor, or accounting software).
WHAT YOU WILL NEED:
Business name and structure
Monthly recurring revenue (MRR)
Connect Stripe, QuickBooks, or bank account
Basic founder information
TYPICAL TIMELINE:
15 minutes to apply
Review
The RBF provider analyzes your revenue data, growth trajectory, and business model to determine eligibility.
WHAT YOU WILL NEED:
Revenue trend analysis (last 6–12 months)
Customer retention metrics
Gross margin evaluation
Business model assessment
TYPICAL TIMELINE:
Predictable revenue, positive growth, healthy margins
Offers
Receive a customized offer showing advance amount, revenue share percentage, and repayment cap.
WHAT YOU WILL NEED:
Advance amount (typically 1–6x MRR)
Revenue share % (2–10%)
Repayment cap (1.3x–2x)
Estimated repayment timeline
TYPICAL TIMELINE:
Review at your own pace
Funding
Sign the agreement and receive funds directly to your business bank account. Automatic revenue share starts next month.
WHAT YOU WILL NEED:
E-sign funding agreement
Funds deposited within 2–5 days
Automatic monthly debit setup
Access to reporting dashboard
TYPICAL TIMELINE:
2–5 days to funding
Common Questions
Frequently asked questions
Get answers to the most common questions about our financing platform and process.
Clear answers before you apply. No credit impact during pre-screening.
What types of businesses qualify for financing?
We facilitate financing for businesses across all major industries and business structures. Qualification criteria vary by lender and product type, but generally include minimum revenue thresholds, time in business, and creditworthiness standards. Our advisors assess your specific situation to identify appropriate financing options.
What is the typical timeline from application to funding?
Preliminary decisions are typically delivered within 24 hours of completed application submission. Final approval and funding timelines vary by product type and lender requirements. Alternative financing products often fund within 3-7 business days, while SBA loans typically require 2-4 weeks due to government underwriting processes.
What credit profile is required for approval?
Credit requirements vary significantly by lender and product type. Traditional bank products typically require personal credit scores of 680 or higher, while alternative lending partners may approve businesses with scores as low as 600. We evaluate your complete financial profile to identify lenders aligned with your credit standing.
What fees does BestLoanUSA charge?
BestLoanUSA does not charge upfront application fees or consultation fees. Any fees associated with specific loan products are charged directly by the lending institution and are fully disclosed prior to loan acceptance. We maintain complete transparency regarding all costs throughout the process.
How do bank and non-bank lenders differ?
Traditional banks typically offer lower interest rates but maintain stricter qualification criteria and longer approval timelines. Non-bank lenders provide faster decisions with more flexible underwriting but may charge higher rates. Our platform provides access to both, allowing you to evaluate the full spectrum of available options.
What are the borrowing limits?
Available capital ranges from $10,000 to $10 million or more, depending on product type, business financial strength, and lender criteria. During the application review process, our advisors help determine appropriate loan amounts based on your stated needs and qualification parameters.
Ready to Get Started?
Access the capital your business needs
Comprehensive financing solutions backed by expert advisory guidance. One application, multiple lender options, transparent terms.
Secure & confidential
No credit impact
Advisor-led process
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