Revenue-Based Financing
Flexible growth capital that scales with your business. Repay as a percentage of monthly revenue — no fixed payments, no collateral, no equity dilution.
Capital That Grows and Shrinks With Your Business
Revenue-Based Financing (RBF) is a form of business funding where a lender provides upfront capital in exchange for a fixed percentage of your future monthly revenue until a predetermined total amount is repaid. Unlike traditional loans, there is no fixed repayment schedule — your payments automatically adjust based on how much your business earns each month.
This structure makes RBF uniquely suited to businesses with recurring or predictable revenue streams. In strong months, you repay more and retire the advance faster. In slower months, your payment decreases proportionally — protecting your cash flow when you need it most.
Scalence Capital structures Revenue-Based Financing with transparent terms, a single repayment multiple (no compounding interest), and no prepayment penalties. You always know exactly how much you owe and when you'll be done.
Flexible Repayment
Scales with your revenue
Monthly remittance adjusts automatically
From Application to Funded in Days
A streamlined, transparent process designed to get capital into your hands quickly — with terms you can actually understand.
Apply in Minutes
Submit a simple online application with basic business information and connect your bank account or accounting software for revenue verification. No lengthy paperwork or tax return bundles required.
Revenue Review & Offer
Our underwriting team analyzes your revenue history — typically 3–6 months of bank statements or accounting data. You receive a tailored offer within 24–72 hours, including funding amount, remittance rate, and repayment multiple.
Accept & Receive Funds
Review your offer, sign the agreement, and funds are deposited directly into your business bank account — typically within 1–2 business days of approval.
Repay as You Earn
A fixed percentage of your monthly revenue is automatically remitted until the agreed total is repaid. Payments flex with your business — higher in strong months, lower when revenue dips. No penalties, no surprises.
Built for Businesses With Recurring Revenue
Revenue-Based Financing works best when your business generates consistent, predictable monthly revenue. Here are the business types that benefit most.
Marketing & Advertising Agencies
Front media buys and campaign costs for clients without waiting on net-30 or net-60 invoices. Scale spend when opportunities arise.
SaaS & Subscription Businesses
Leverage your predictable MRR to access growth capital for product development, sales hiring, or customer acquisition without diluting equity.
E-Commerce Brands
Fund inventory purchases, ad spend, and fulfillment infrastructure ahead of peak seasons. Repay automatically as sales revenue flows in.
Staffing & Professional Services
Bridge the gap between payroll obligations and client payment cycles. Maintain operations and grow your team without cash flow disruption.
Tech & Software Companies
Access non-dilutive capital to accelerate growth without giving up equity. Fund engineering hires, infrastructure, or go-to-market expansion.
Franchise & Multi-Location Businesses
Fund new location build-outs, equipment, and opening costs using the proven revenue of your existing locations as the basis for approval.
How RBF Compares to Other Funding Options
Understanding the differences helps you choose the right product for your business stage, cash flow profile, and growth goals.
| Feature | Revenue-Based Financing | Traditional Loan | Merchant Cash Advance |
|---|---|---|---|
| Repayment Structure | % of monthly revenue — flexible | Fixed monthly payment | Daily/weekly fixed debit |
| Collateral Required | None (unsecured) | Often required | None (UCC lien) |
| Personal Credit Impact | Minimal — revenue-focused | Hard pull required | Soft pull only |
| Approval Speed | 24–72 hours | 1–4 weeks | 24–48 hours |
| Repayment Flexibility | Scales with revenue | Fixed — no flexibility | Fixed — no flexibility |
| Ideal For | Recurring revenue businesses | Asset-heavy businesses | High card-volume businesses |
| Funding Range | $25K – $2M | $50K – $5M+ | $10K – $500K |
Frequently Asked Questions
Everything you need to know about Revenue-Based Financing before you apply.
Unlike a traditional loan with fixed monthly payments, Revenue-Based Financing repayments flex with your revenue. When business is strong, you pay back more. During slower months, your payment automatically decreases. There's no fixed term — repayment completes once the agreed total amount is returned, which is typically a multiple of the original advance.
Repayment rates typically range from 6% to 20% of monthly gross revenue, depending on the funding amount, your revenue history, and the agreed repayment multiple. Your dedicated advisor will work with you to set a remittance rate that keeps your business cash-flow positive throughout the repayment period.
Revenue-Based Financing is generally unsecured — no collateral or hard assets are required. Approval is based primarily on your business's revenue history and consistency, not personal credit scores or physical assets. Some arrangements may include a general business lien (UCC filing) rather than specific collateral.
Most Revenue-Based Financing approvals are completed within 24–72 hours of application submission. Once approved, funds are typically deposited within 1–2 business days. The streamlined underwriting process focuses on revenue data rather than lengthy financial documentation.
Most RBF programs require a minimum of $10,000–$15,000 in monthly gross revenue and at least 6 months of operating history. Businesses with consistent, recurring revenue — such as subscription services, agencies, SaaS companies, and e-commerce brands — tend to qualify most easily.
Yes. Once you've repaid a significant portion of the original advance (typically 50–60%), you may be eligible for a renewal or top-up. Many businesses use RBF as a revolving growth tool, accessing capital for each new campaign, hiring cycle, or seasonal push.
RBF is particularly well-suited for businesses with predictable, recurring revenue: SaaS companies, marketing agencies, e-commerce brands, subscription box services, staffing firms, and professional services. It's less ideal for highly seasonal businesses with very irregular monthly revenue.
Ready to Grow on Your Own Terms?
Apply for Revenue-Based Financing today and receive a decision within 24–72 hours. No collateral, no equity, no fixed payments — just capital that works with your revenue.
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