Flexible Capital That Grows With You

Not every business fits neatly into a bank's checklist. That’s where revenue-based funding comes in. This flexible option gives you access to capital based on your monthly business income — not your credit score, assets, or time in business.

Here’s how it works: You get a lump sum of capital upfront and repay it through a small, fixed percentage of your future revenue. So when business is booming, you repay a little faster.

When things slow down, your payments adjust with your cash flow. This creates flexibility for business owners who need working capital but don’t want the pressure of fixed loan payments.

Revenue-based financing is ideal for service providers, eCommerce stores, restaurants, and any business with steady, predictable income. It’s fast, doesn’t require collateral, and approval is often based on just a few months of bank statements.

Real Estate Funding Using DSCR Loans: For real estate investors or business owners with rental properties, DSCR (Debt Service Coverage Ratio) loans are a powerful form of revenue-based funding. DSCR loans allow you to qualify based on the income the property generates — not your personal income. As long as your rental income can cover the mortgage and expenses with a healthy ratio (usually 1.25x or higher), you can qualify. No W-2s, tax returns, or pay stubs needed.

Qualifications for Revenue-Based Funding:

Minimum of 3-6 months of business bank statements

Consistent monthly revenue (typically $5,000/month or more)

A business bank account

Registered business entity (LLC, Corporation, etc.)

Lenders may also look at average daily balances, number of monthly deposits,

and trends in your cash flow to determine how much you qualify for.

The stronger and more consistent your deposits, the more favorable your offer.

If your business is bringing in money but still being denied by traditional lenders, revenue-based funding could be the no-pressure option that fits your rhythm.