Revenue-Based Financing

Repayment that can move with your sales

Receive capital now and repay through a share of ongoing revenue, so payments can flex with how business is going. It’s often a fit for seasonal operations and focused growth pushes.

What it is

Revenue-based financing advances capital that’s repaid as a portion of your sales over time, rather than a flat fixed installment. When sales are strong, more is repaid; during slower stretches, repayment can ease accordingly—depending on the provider’s structure.

Who it’s best for

Businesses with steady card or deposit volume and seasonal or variable revenue often consider this option. It can suit owners who want repayment that tracks performance instead of a rigid schedule.

How the funds work

After approval, you receive the funds and repay via an agreed share of revenue (often collected on a regular basis) until the total is satisfied. The cost, holdback percentage, and total repayment amount are set by the provider and disclosed up front—review them carefully before accepting.

Understand the full cost before you sign. Revenue-based products are priced differently from traditional loans (often as a factor or total repayment amount rather than an APR). Ask the provider to spell out the total you’ll repay, the holdback percentage, and any fees so you can compare options on equal footing.

Factor Funding Market is a marketplace and does not set provider pricing. All terms are subject to provider underwriting and approval and are not guaranteed.

Next step

Curious whether this fits your sales pattern?

Book a soft-pull review and we’ll talk through the tradeoffs honestly.