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Capital repaid from what your business earns — a fixed debit set from your sales, adjusted to your actual revenue when you ask.
Revenue-based financing advances you capital today against the revenue your business generates tomorrow. On a percentage-of-sales deal, the payment is a fixed debit set from that percentage of your sales, and it does not change by itself. If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days. The total payback is a fixed figure agreed up front.
It's the natural structure for businesses whose revenue is real but uneven — seasonal retailers, restaurants, contractors between draws. Qualification runs on the standard bar: 4+ months operating, $10,000+ monthly revenue, 4 months of bank statements. If your revenue is steady and strong, a term loan may price better; we can arrange one with a direct lending partner, only if you choose to and at no fee to you, and we’ll talk both through with you.
On a fixed debit, the flexibility revenue-based financing is sold on lives in one clause: reconciliation, the right to have the remittance adjusted when actual revenue falls short of the estimate it was sized against. What makes a request answerable is evidence. Send the recent statements that show the shortfall, the reason with an end date, since an adjustment has to say when the schedule returns, and a specific payment figure the account can actually clear. Then timing: asked for while the account is performing, it is a routine conversation, and after a returned debit the options narrow quickly. An agreement that names neither the evidence nor how long the funder has to answer leaves the right on paper only, so look for both before you sign. On a Full Send Funding advance: If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days.
Expect 80%–150% of average monthly revenue, capped at $10 million with a $5,000 floor. Because the payment is set from your sales, the honest way to evaluate an offer is as a percentage of revenue rather than a dollar figure — ask what share of a typical week's deposits leaves the account.
An MCA is one form of revenue-based financing — the purchase of a fixed amount of your future receivables, collected by a fixed ACH debit from your business bank account. Revenue-based financing is the wider family of structures built the same way; ours is repaid by a fixed debit that is adjusted to your actual revenue when you ask.
On a percentage-of-sales deal, the payment is a fixed debit set from that percentage of your sales, and it does not change by itself. If your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days. Ask early, before a payment is missed, not after.
Pricing is a factor rate — total payback as a fixed multiple of the advance — disclosed in dollars before you sign. See our APR vs factor rate guide for how to compare it against other offers honestly.
A loan has a fixed payment and a fixed end date. Ours is repaid by a fixed debit too, set from your sales; if your sales slow, you can ask us to adjust your payments to your actual revenue; we answer a request within 5 business days. An adjustment moves the finish line, which is the trade for that flexibility.
It depends on the amount and term, and it's disclosed before you sign. The useful question is what that percentage looks like against your slowest recent week, not your best.
No. A true holdback does, because it is a fixed percentage of each day's card settlement, taken at the processor, which suits a card-heavy business. Ours is a fixed debit from the business checking account, which needs no card volume, so a wholesaler or a contractor invoicing on net-30 terms can use it too, on a weekly debit sized to when its invoices actually pay. The trade is that a fixed debit stays the same in a slow week unless you ask for it to be reconciled.
Ours is a fixed debit: the total payback is fixed at signing, and dividing it by the remittance gives the number of debits, so the end date follows from the funding date unless the remittance is adjusted along the way at your request. Elsewhere it depends on the structure. On a true holdback at the card processor the total is fixed but the date is not: a strong stretch finishes sooner and a quiet one later. If a lease, a bond or a covenant needs a fixed end date, say so before you sign.