Revenue-Based Financing

Revenue-Based Financing (RBF) is a flexible funding solution where repayments are tied directly to your business’s revenue. Instead of fixed monthly payments, you agree to pay a fixed percentage of your gross sales until the loan is repaid. This aligns repayment obligations with your cash flow, making it ideal for companies with variable or growing revenues.

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Access Revenue-Based Financing for Local Businesses

SMB Lender specializes in revenue-based financing options that provide growth capital without the rigidity of traditional loans or dilution of equity. It’s a smart option for businesses seeking capital while maintaining control and flexibility.

Business Funding

$10,000 to $5M

Quick Closing

1-30 Days

Loan Terms

3-25 Years

Interest Rates

Prime + 2.75%*

Minimum Credit Rating

600 FICO

Easy To Use Portal

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Ready To Apply or Need More Info?

Fill out the form and get in touch with a loan agent. We can help you decide if an SBA loan is right for your situation and help you with the application process.

With our preferred lenders, we’ve made the process as streamlined as possible, reducing closing times and surprises. Most businesses are funded within 30 days of application.

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Should You Consider Revenue-Based Financing?

Revenue-based financing is particularly advantageous for businesses that experience variable monthly revenue and want to avoid the pressure of fixed payments. Since repayment amounts scale with your sales performance, it aligns your financing costs with your business’s ability to pay. This makes RBF an attractive option for startups and growth-stage companies that want to retain ownership and avoid giving up equity while securing flexible growth capital.

Grow your future. Secure your legacy. Let’s build your business together.

Frequently Asked Questions

Answers to commonly asked questions about Commercial Term Loans.

1. How does revenue-based financing differ from a traditional loan?

Repayments fluctuate with revenue, so payments are lower during slow months.

2. What types of businesses qualify for RBF?

Businesses with consistent or growing revenues, especially in retail, SaaS, and service industries.

3. Is collateral required?

Usually not, since repayment is tied to revenue, but terms vary by lender.

4. How long does the repayment period last?

Typically, until a fixed repayment amount (a multiple of the funding) is reached, often 12–36 months.

5. Can I pay off the loan early?

Many lenders allow early repayment without penalties, but check specific terms.