Revenue-Based Financing — Flexible Repayment

RBF offers through our network typically price within 48 hours of a completed file.

The 60-second take

Revenue-based financing advances capital against your future sales and collects a fixed percentage of revenue — not a fixed dollar amount — until the agreed total is repaid. There's no payment cliff in a slow month, which is exactly why businesses with seasonal or variable revenue choose it over a term loan.

Our borrowers use RBF for the spend that creates the revenue that repays it: inventory ahead of peak season, ad budget with proven ROAS, new location ramp-ups.

Why our RBF partners are not MCAs

If you've been burned by a merchant cash advance, read this section first. MCAs and RBF look similar on the surface — both collect from revenue — but the products we route to differ where it matters:

Longer collection horizons (commonly 6–24 months, not 60–90 day sprints) and lower revenue percentages, so the remittance doesn't strangle operating cash
Transparent total cost stated up front — one number, no compounding, no hidden "specified percentage" games
No stacking culture. Our partners underwrite to your existing obligations; they don't pile a fourth position on three others
Early-payoff treatment that reduces cost with several partners, instead of "you owe the full amount no matter what"

That's the line between financing that flexes with a business and an advance that consumes one.

Right fit: recurring and steady-traffic revenue

RBF underwrites best where revenue is visible and repeatable: ecommerce and DTC brands (platform sales data tells the story), SaaS and subscription businesses (MRR is the ideal collateral), restaurants and retail with steady traffic, and service businesses with dependable card volume. If your last six bank statements show consistent deposits, you'll like your options.

Who it's right for

Seasonal businesses that dread fixed January payments priced for December revenue
Ecommerce operators funding inventory or ad spend with measurable payback
Subscription businesses that want growth capital without dilution or covenants
Owners consolidating an MCA into something they can actually breathe under

Typical 2026 terms through our network


Amount	$10,000 – $5,000,000
Repayment	Fixed % of revenue until the agreed amount is repaid
Horizon	Commonly 6 – 24 months
Speed	Offers within ~48 hours
Payments	No fixed monthly payment

What you'll need when you apply

Four months of bank statements, EIN and ID; ecommerce/SaaS applicants should connect or export platform revenue data (Shopify, Amazon, Stripe) — it strengthens offers materially.

Why get RBF through No Fee Funding

No fees to you. Lender-paid referral, full stop. Vetted partners. We screen for transparent pricing and anti-stacking underwriting — the MCA-behavior filter is the whole point. Track record. 50,000+ businesses funded, $5B+ facilitated, since 2007.

See your Revenue-Based Financing options — no fee, no credit impact to prequalify.Apply Now

Frequently asked questions

How is the revenue percentage collected?

Typically as a daily or weekly remittance calculated from actual deposits or card settlements — it self-adjusts as revenue moves.

Is RBF cheaper than a term loan?

Usually not on paper. You're paying for flexibility. If your revenue is flat and predictable, take the term loan; if it swings, RBF's flexibility often earns its cost.

Will slow months extend my payoff?

Yes — that's the design. The total repaid doesn't grow; the timeline just flexes.

Can I refinance an existing MCA into RBF?

Frequently, yes. It's one of the most common files our partners see, and consolidating daily-debit advances into one revenue-scaled remittance is often transformative for cash flow.

Revenue-Based Financing — Payments That Scale With Your Sales