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Revenue-Based Financing

Capital structured around business revenue.

Evaluate funding against your revenue, the collection schedule, total cost, and how payments adjust when sales change.

Explore Available Structures
Product Overview
StructureRepayment as a share of revenue
Typical useFast, flexible operating capital
RepaymentRevenue share or reconciled withdrawals
CollateralContract-specific

How revenue-based financing works

Revenue-based arrangements link remittance to sales. Some collect a percentage directly; others use scheduled withdrawals with reconciliation under the contract. Frequency, minimums, and adjustment rights vary.

What to review in the offer

  • Payment structures and frequency
  • Business cash-flow considerations
  • Potential speed advantages
  • Potential cost considerations
  • Situations where another structure could be more appropriate
Revenue-based financing is one option among several. Depending on your goals, a line of credit, term structure, or longer-term financing may be a better fit. We will talk through the tradeoffs with you.
Payment planning

Calculate a revenue share.

Enter your revenue and a proposed remittance share. This calculation does not include fees, minimum payments, or contract-specific reconciliation.

Revenue-Based Remittance
Approx. per business day$0
Approx. per month$0

A higher-revenue month remits more; a slower month remits less.

Based on your inputs and roughly 21 business days.

Underwriting focus

What a Revenue-Based Review Considers.

Not every factor applies to every request, but these are the areas that commonly shape a decision.

Revenue & cash flowHow consistently money moves through the business.
Operating historyTime in business and track record.
Existing obligationsCurrent financing and debt service load.
Credit profileBusiness, and where applicable personal, credit.
CollateralAvailable assets or equity, where the structure uses them.
Use of fundsWhat the capital is for and how it supports the business.
Banking activityDeposits, account activity, and recent business statements.
IndustryThe business model and the industry it operates in.

Typical situations

  • Businesses with steady card or bank revenue
  • Short-term operating needs
  • Opportunities that repay quickly
  • Bridging a defined revenue cycle
Potential advantages
  • Revenue-linked remittance, subject to the contract
  • Often faster and lighter on documentation
  • Typically no hard collateral requirement
Important considerations
  • Shorter duration than conventional term financing
  • Capital cost can be higher than traditional structures
  • Structures vary between providers, so read the specific terms
When another structure may fit

Revenue-based structures trade a potentially higher cost for speed and flexibility. For a lower carrying cost over a longer horizon, term financing or a line of credit may fit better.

Keep exploring

Related financing solutions

Working Capital

When a fixed schedule is workable and lower total cost matters.

Explore

Business Line of Credit

When you want reusable availability instead of a single advance.

Explore

Business Term Loan

When the use is a defined, one-time investment.

Explore
Before you apply

Prepare Revenue History

  • Twelve months of revenue with seasonal pattern
  • Card/deposit mix if applicable
  • How a slower month would affect remittance
  • Existing daily or weekly obligations
Related cash-flow structures
Working Capital Line of Credit
FAQ

Frequently Asked Questions

The contract sets the revenue share and collection method. Scheduled withdrawals may require reconciliation; check how and when an adjustment can be requested.
It is a financing structure based on revenue rather than a conventional fixed-term loan. We explain the specific terms and considerations when options are available.
Do not assume withdrawals will fall immediately. Review any reconciliation procedure, required documentation, and minimum-payment terms in the agreement.
Businesses with steady card or bank revenue and a short-term need often fit best, especially when speed and flexibility matter more than the lowest cost.

Have a question about your business? Start a financing request and our team will follow up.

LIVC Business Intelligence

Review the terms behind the decision.

Product structures, repayment considerations, and dated policy updates in one place.

View relevant research

Review the request against your revenue.

Provide recent revenue, existing obligations, the amount needed, and its business purpose.

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