How are revenue-based financing payments calculated?

A fixed percentage (typically 5-20%) of your daily or weekly revenue is automatically remitted. On a $5,000 sales day with a 10% holdback, your payment is $500. On a $2,000 day, it’s $200. The total payback amount is fixed — only the speed changes.

What’s the difference between revenue-based financing and a merchant cash advance?

They’re similar but not identical. MCAs specifically advance against credit card sales. Revenue-based financing can work off total bank deposits, not just card sales. This means businesses without heavy card processing (B2B, service companies) can qualify for revenue-based financing.

Is revenue-based financing more expensive than a traditional loan?

Yes — factor rates of 1.10-1.50 translate to higher total costs than bank loans at 8-12% APR. But traditional loans take 60-90 days and require strong credit. Revenue-based financing funds in 24-48 hours and has no minimum credit score. The premium is for speed, flexibility, and accessibility.

Can seasonal businesses qualify for revenue-based financing?

Yes — and it’s often ideal for seasonal businesses. Since payments adjust automatically with revenue, slow months have lower payments. A restaurant doing $80K in summer and $30K in winter pays proportionally less during the slow season.

How much can I qualify for with revenue-based financing?

Typical amounts range from $10K to $1M based on your monthly revenue. Most businesses qualify for 100-150% of average monthly deposits. A business averaging $50K/month in deposits could qualify for $50K-$75K.

Is there a prepayment penalty on revenue-based financing?

No prepayment penalty, but no prepayment savings either. The total payback amount is fixed by the factor rate. Paying faster just gets you debt-free sooner — it doesn’t reduce the total cost. This is a key difference from traditional interest-based loans.

What businesses are best suited for revenue-based financing?

Businesses with variable daily or weekly revenue — restaurants, retail stores, seasonal services, event companies, and any business where revenue swings 30%+ between busy and slow periods. Fixed daily payments from other products can crush cash flow during slow weeks.

Does applying for revenue-based financing affect my credit score?

No. We use a soft credit pull with zero FICO impact. A hard pull only occurs if you accept a specific offer.

Business analytics dashboard showing revenue growth charts and data

No Hard Credit Pull · Same-Day Funding Available

← All Loan Products

Revenue-Based Financing

Receive a lump sum and repay as a fixed percentage of your daily or weekly revenue. When business is slow, payments shrink. When business booms, you pay down faster.

See What You Qualify For →

$10K - $1M

Loan Amounts

3 - 18 months

Terms

Same day - 48 hours

Speed to Fund

No minimum

Min. Credit

✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months in Business✓ No Hard Credit Pull✓ All Industries

Revenue-Based Financing

See What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.

✓Estimated range appears instantly

✓Auto-advances as you answer — no extra clicks

✓Soft credit pull only — your FICO stays untouched

✓Real specialist reviews your file within the hour

✓No obligation — see your options and decide

Estimate

Revenue

History

Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$2M+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Application Gets Matched Across 70+ Lending Partners

SBA Preferred Lenders

Community Banks

Credit Unions

Specialty Finance Companies

Online Lending Platforms

70+ vetted lending partners competing for your business

How It Works

How Revenue-Based Financing Work

You receive a lump sum and agree to repay a fixed total amount. Instead of fixed monthly payments, repayments are calculated as a percentage of your daily or weekly revenue. Payments flex automatically - you pay more on good days and less on slow days.

Best For

Ideal Use Cases for Revenue-Based Financing

✓Businesses with inconsistent or seasonal revenue

✓Restaurants, retail, and service businesses

✓Companies with strong card sales volume

✓Owners who want payments tied to performance

✓Businesses that can't predict monthly income

✓Newer businesses with strong revenue but limited credit history

Real Scenarios

Who Uses Revenue-Based Financing?

These are the kinds of situations where revenue-based financing make the most sense.

Seasonal Restaurant Expansion

A beachfront restaurant owner takes $75K in revenue-based financing to add outdoor seating before summer, repaying faster during peak months and slower in winter.

Retail Store Inventory Push

A boutique clothing store secures $40K to double inventory ahead of a holiday pop-up event, with payments flexing down during the post-holiday lull.

Salon Marketing Campaign

A med-spa owner draws $25K to fund a digital marketing campaign, repaying as a small percentage of daily appointment revenue over several months.

Food Truck Fleet Growth

A food truck operator takes $60K to launch a second truck, with repayments tied to combined daily card sales across both units.

Auto Repair Shop Retooling

An auto repair shop uses $35K to add an EV diagnostic bay, repaying from daily service revenue that increases as the new service attracts customers.

Gym Pre-Sale Campaign

A fitness studio owner takes $50K to fund a pre-sale marketing blitz and new equipment ahead of a January membership drive.

Full Transparency

Pros & Cons of Revenue-Based Financing

We believe in full transparency. Here's what you should know.

✅ Advantages

✓Payments flex with your revenue

✓No fixed monthly payment stress

✓No collateral required

✓Fast funding (same day available)

✓Ideal for seasonal businesses

⚠️ Considerations

•Higher total cost than fixed-term products

•Faster repayment on high-revenue days

•Not ideal for businesses wanting predictable payments

See What You Qualify For →

What It Actually Costs

Revenue-Based Financing Pricing - Full Transparency

Factor Rate: 1.10 - 1.50 (typical range)

✓Similar to working capital but repayments flex with your daily or weekly revenue

✓Higher revenue days = higher payment. Slower days = lower payment.

✓Total cost is fixed - only the repayment speed changes

How Repayment Works:

✓A fixed percentage (typically 5-20%) of daily card sales or bank deposits is remitted automatically

✓Busy months pay down faster; slow months give you breathing room

✓No fixed end date - repayment completes when the total is paid

Fees

Origination fees of 0-3% may apply. No prepayment penalties - paying early gets you debt-free sooner.

Best For

Businesses with variable revenue - restaurants, retail, seasonal businesses, and service companies. If your revenue fluctuates by 30%+ between months, revenue-based financing prevents cash crunches during slow periods.

Typical Cost Examples

•$50K advance, 1.25 factor, 10% daily holdback = $62,500 total repayment - speed depends on daily revenue

•$100K advance, 1.35 factor, 15% daily holdback = $135,000 total repayment - typically 8-14 months

•$200K advance, 1.20 factor, 8% daily holdback = $240,000 total repayment - typically 12-18 months

Factor rates and holdback percentages vary by lender and business profile. Revenue-based financing costs similarly to working capital loans but offers payment flexibility for businesses with variable income.

Full Transparency

Is Revenue-Based Financing Right for You?

Honest answer. Not every product is the right fit. Here's how to tell.

✅ Good Fit If…

✓Your revenue fluctuates seasonally or month to month

✓You want payments that automatically adjust to your business performance

✓You have strong daily or weekly revenue but an unpredictable monthly pattern

✓You prefer fast funding with minimal paperwork and no collateral

✓Your credit score is low but your revenue is consistent on a weekly basis

✓You operate a restaurant, retail store, salon, or service business with card sales

✓You want to avoid the fixed monthly payment stress of a traditional loan

🚫 Consider Something Else If…

•You prefer predictable fixed monthly payments for budgeting - a Term Loan offers consistent installments

•You need the absolute lowest cost of capital and can wait - an SBA Loan has the best rates

•You invoice B2B clients on net terms - Invoice Factoring is specifically designed for receivables

•You want revolving credit you can draw repeatedly - a Business Line of Credit is more flexible

•You need more than $1M in funding - Term Loans and SBA Loans offer higher limits

See What You Qualify For →

Compare

How Revenue-Based Financing Compare

Side-by-side look at how this product stacks up against alternatives.

	Revenue-Based Financing	Merchant Cash Advance	Working Capital Loan
Speed to Fund	Same day - 48 hrs	Same day - 24 hrs	Same day - 48 hrs
Amounts	$10K - $1M	$5K - $1M	$10K - $2M
Repayment Structure	% of daily/weekly revenue	% of daily card sales	Fixed daily/weekly ACH
Min. Credit Score	No minimum	No minimum	No minimum
Collateral	None	None	None
Best For	Flex payments tied to revenue	Fastest funding, any credit	Fixed repayment, general use

Ready?

See What You Qualify For. No Credit Impact.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly

✓Auto-advances — no extra buttons to click

✓Soft pull only — FICO untouched

✓70+ lenders compete for your business

✓No obligation to accept any offer

Estimate

Revenue

History

Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$2M+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Industries

Popular in These Industries

Revenue-Based Financing are a top choice for business owners in these sectors.

You Might Also Need

Many businesses combine multiple products to cover different needs.

Working Capital Loans

For a fixed lump sum with predictable payments, working capital keeps it simple.

Learn More →

Merchant Cash Advance

If most revenue comes from card transactions, MCA matches payments to daily card volume.

Learn More →

Business Line of Credit

Draw only what you need when you need it — no lump sum commitment required.

Learn More →

Free Tools

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Loan Cost Calculator

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Qualification Estimator

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Line of Credit Calculator

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FAQs

Revenue-Based Financing FAQs

Revenue-Based Financing - Payments That Flex With Your Business

Revenue-based financing from Basecamp Funding's 70+ lending partners provides business capital with repayments that automatically adjust to your daily or weekly revenue. Busy days pay more, slow days pay less. Typical advances range from $10K to $1M with factor rates from 1.10 to 1.50.

Restaurants, retail stores, seasonal businesses, and service companies with variable revenue use revenue-based financing to avoid the cash flow pressure of fixed daily payments. One 60-second application, no hard credit pull, no minimum credit score. Most approvals happen within hours with same-day funding available.

★★★★★

“Seasonal business means inconsistent revenue. RBF payments flex with my sales — lower in winter, higher in summer. Exactly what I needed.”

James T.

Landscaping Company | Atlanta, GA

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