Funding based on your revenue, not your credit score.
An advance sized to your sales and repaid as a share of revenue — built precisely for businesses with strong deposits and a credit file the bank won't touch.
Your sales do the qualifying.
Revenue-based funding (sometimes called a merchant cash advance) is an advance against your future sales, repaid as a share of revenue. The provider looks at what your business actually earns each month — deposits, consistency, momentum — and sizes the advance to that.
That's what makes it the go-to structure after a bank decline: a 580 credit score doesn't tell the story of a business doing $80k a month. With many providers, repayment tracks your sales, so payments ease when revenue dips and accelerate when business is strong.
Best for
- Bank-declined businesses
- Strong sales, thin credit
- Seasonal businesses
- Fast turnaround needs
At a glance
Funded in three steps.
No stacks of paperwork. No waiting weeks for a committee. Just a straight answer, fast.
Apply in about 2 minutes
Tell us a few basics about your business and revenue. Applying won't impact your credit.
Get matched
We review your whole business — not just a credit score — and match you with the funding option you qualify for, even after a bank decline.
Get funded
Approve the terms and receive funds in as little as 24–48 hours.
Do you qualify?
The bar is simpler than a bank's. If you clear these, it's worth applying — it's free, takes about 2 minutes, and won't touch your credit.
6+ months in business
Your business has been operating for at least six months. Years of history aren't required.
$10k+ in monthly revenue
Steady deposits matter more than a score. Around $10,000 a month is the floor.
All credit considered
Past credit issues or a recent bank decline don't rule you out. Approval is revenue-driven.
U.S.-based business
Funding providers currently work with businesses operating in the United States.
Cost at a glance
Factor rates, in plain English.
Revenue-based funding is priced with a factor rate instead of an interest rate. It's simple multiplication: a $50,000 advance at a 1.3 factor rate means you repay $65,000 — a fixed, known total from day one. No compounding, no moving rate.
That certainty costs more than bank money, and we won't pretend otherwise. This is short-term capital for situations where speed and accessibility matter more than rate: covering payroll now, stocking for the season now, taking the contract now.
Judge it like an owner: if $50,000 deployed this week returns more than the $15,000 it costs, the advance did its job. If the numbers don't clear that bar, don't take the offer — applying costs nothing and commits you to nothing.
Revenue-based funding, answered.
What is revenue-based funding?
An advance against your future sales, repaid as a share of revenue. Approval and sizing are driven by what your business earns monthly — not by your credit score or collateral.
Is revenue-based funding the same as a merchant cash advance?
They're closely related — a merchant cash advance (MCA) is the most common form. The mechanics are the same: capital up front, repaid from a portion of your sales.
What is a factor rate?
The multiplier that sets your total repayment. A 1.3 factor rate on a $50,000 advance means $65,000 repaid in total. It's fixed up front — no compounding interest, no rate changes.
My bank declined me. Will I qualify?
This is the product built for exactly that situation. If your business is 6+ months old and deposits roughly $10k+ a month, your revenue does the qualifying — all credit profiles are considered.
How fast is funding?
Among the fastest options available: approval can come the same day, with funds in your account in as little as 24–48 hours after you accept the terms.
What happens if my sales slow down?
With many providers, repayment is tied to a percentage of sales, so payments shrink in slow periods. Structures vary by provider — how repayment works is spelled out in your written terms before you sign.
Explore other options: Working Capital · Business Line of Credit · Equipment & Term
Let your revenue speak for itself.
Apply in about 2 minutes. No cost, no obligation, no impact to your credit — see what your sales qualify you for.
Get Funded