Revenue based financing — also known as a merchant cash advance (MCA) — gives your business a lump sum of capital now, repaid through remittances tied to your future sales. Because underwriting leans on your deposits and card volume instead of collateral and credit, it's often the fastest option for owners the bank turned away.
How revenue based financing works
- You submit the 60-second form with revenue, time in business, and requested amount.
- Underwriting reviews 3–4 months of bank statements — deposits, average balance, card sales.
- You receive an offer stated as a factor rate (e.g., 1.25 = repay $1.25 per $1 advanced).
- Funds arrive, often within days of document completion, and remittances begin on the agreed schedule.
Not sure what a factor rate means in dollars? Read our plain-math guide: What Is a Factor Rate?
Who revenue based financing fits best
- Businesses with steady card sales or bank deposits — restaurants, retail, salons, auto repair, e-commerce
- Owners with mid-600 or lower credit who keep healthy business banking
- Urgent needs: inventory deals, equipment repairs, payroll gaps, seasonal ramp-up
- Companies with 3–6+ months in business and $10K+ monthly revenue
💡 Speed vs. cost: MCAs cost more than bank financing — that's the trade for speed and accessibility. Always compare the total payback against the value of what the capital lets you do, and never accept payments that don't fit your real weekly cash flow.
Revenue based financing vs. other programs
If you want fixed monthly payments and have stronger credit, compare a business term loan. If your need is short-term and operational — payroll, inventory, a slow season — look at working capital funding. Our side-by-side breakdown: MCA vs. Business Term Loan.
What you'll need
Just the short form to start. If you continue, most files need 3–4 months of bank statements, a photo ID, and a voided check — the full list is in our document checklist.
Revenue based financing FAQ
How fast can I get funded?
Reviews can start the same day your information is in; many files see decisions within 24–72 hours. Timing varies by lender, applicant, and documentation.
What credit score do I need?
Many programs consider mid-600 scores, and some review below 600 when revenue is strong. See our 650 credit score guide.
Can I pay an MCA off early?
Some funders offer early-payoff discounts; others don't. Ask before signing — it changes the real cost significantly.
Is approval guaranteed?
No. Approval, amounts, and terms are always subject to lender underwriting. Avoid anyone who promises otherwise.
See your financing options in 60 seconds
No documents to start, and the short form does not pull credit.
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