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RBF

Revenue-Based Financing

Growth capital that scales with your business revenue.

$25,000 – $2,000,000

Typical Amount

6 – 36 months

Typical Term

3 – 7 days

Approval Speed

SaaS Companies

Best For

What is Revenue-Based Financing?

Revenue-based financing provides upfront capital in exchange for a fixed percentage of monthly revenue until the total repayment amount is reached. It's similar to an MCA but typically structured with monthly (not daily) payments and longer terms, making it suitable for businesses with predictable recurring revenue.

Ideal For

SaaS Companies
Subscription Businesses
E-Commerce
Professional Services
Healthcare Practices

Requirements

6+ months of bank statements
$25,000+ monthly revenue
12+ months in business
Consistent monthly revenue pattern

Pros

Monthly (not daily) repayment
No equity dilution
Longer terms than traditional MCA
Scales with your revenue
No personal guarantee in some cases

Cons

Higher minimum revenue requirements
Longer approval process than MCA
Not available for very early-stage businesses
Total cost can exceed traditional lending

Frequently Asked Questions

How is RBF different from an MCA?

RBF typically has monthly repayments instead of daily, longer terms, and is structured around a percentage of monthly revenue rather than daily credit card sales. It's generally considered a step up from MCA in terms of cost and structure.

Do I give up equity?

No. Revenue-based financing does not require giving up any ownership in your company. You repay through a percentage of revenue, not equity.

See If You Qualify for Revenue-Based Financing

Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.