Revenue-based funding
A funding partner purchases a set amount of your future receipts at a discount. You get the money now, and deliver an agreed share of sales as they come in.
What it actually is
This is a purchase, not a loan, and the difference is not a technicality. A funding partner buys a fixed amount of the sales your business has not made yet, and pays you less than that amount today. The gap between the two is the cost.
Because it is a purchase of future sales, there is no fixed schedule to miss. What you owe is defined as a share of what comes in, so a slow week costs you less and a strong week clears it faster. That is the entire reason this product exists for businesses whose revenue is uneven.
How delivery works
You and the funding partner agree a specified percentage of sales. That share is delivered as sales are made — usually daily or weekly, taken automatically, so nothing depends on you remembering.
If sales drop, the amount delivered drops with them. Most agreements include a reconciliation: if the share collected runs ahead of what your actual sales justify, the difference is adjusted. Ask the funding partner how theirs works before signing. It is one of the questions worth asking out loud, and a partner who will not answer it plainly is telling you something.
What underwriting looks at
Weighted toward how your business actually trades, rather than a credit score in isolation. In practice that means recent business bank statements, the consistency of deposits, and whether the account is used for the business rather than everything at once.
Owners who have been turned down elsewhere on credit alone often clear here, because the question being asked is different. That is not a promise about your file — we do not underwrite and we do not decide.
Whether it fits
Which product suits you depends on your revenue pattern, not on what we would rather place.
This is probably your product if
- Revenue arrives steadily, even if the amounts move around
- You take card sales, deposits or invoice payments most weeks
- The gap is a timing problem, not a demand problem
- A fixed schedule would be the thing that breaks you in a slow month
- Your credit is imperfect but your deposits are not
Look at something else if
- Revenue is genuinely seasonal to the point of stopping — a share of nothing delivers nothing, and the agreement still stands
- You need the lowest possible cost and can wait for a longer process
- The expense is a single defined purchase with a known price
- You are under six months in business or below $15,000 a month
What it costs
Priced as a factor rate, which is a multiplier applied once to the amount you receive — not a rate that accrues over time. That distinction changes what a shorter period does to your cost, and it catches people out.
Questions we get about this one
Is this a loan?
No. A funding partner purchases a set amount of your future receipts, which is a commercial transaction rather than credit. That is not a marketing distinction — it is the legal structure of the agreement, and it is why the cost is expressed as a factor rate and why nothing carries on regardless of what you sold.
What happens if my sales stop entirely?
The amount delivered falls with your sales, but the agreement does not disappear. That is the honest limit of this product: it flexes with a slow month and it does not forgive a stopped one. If your revenue genuinely halts for a season, say so on the first call — it changes which product makes sense, and it is better raised before an agreement than after.
Will applying affect my credit?
Our application does not pull anything. If a funding partner reaches the stage of making an offer they may run a check, and they will tell you what kind before they do. Nobody pulls anything on the strength of you filling in a form on this site.
What we can't tell you
We are a broker. We do not underwrite, we do not deploy our own capital, and we are not a party to the funding agreement. So we cannot tell you what you will be offered, what it will cost, or how quickly it will land — the funding partner decides all three and puts them in writing before you sign anything. What we can tell you is whether your file is worth putting in front of anyone, and we will say so on the first call if it isn't.
The other two
The same application covers all three.
One form. Then a real conversation.
About two minutes, and it costs nothing. Enough for us to tell you honestly whether we can help before anyone pulls anything.