Proof, Not Promises
We've Funded Revenue-Based Financing Across Every Industry
$60K revenue-based financing for a restaurant facing winter slowdown. Summer payments: $850/day when revenue is $4K/day. Winter payments: $425/day when revenue drops to $2K/day. The payment flexes — she never falls behind.
Result: $60K funded → payments flex with seasons → no stress
$80K for marketing launch of new treatment. Revenue-based repayment means as the marketing drives new clients, payments scale up naturally. Slow weeks after launch = lower payments.
Result: $80K funded → payments match revenue → marketing worked
$35K for a shop hitting a slow quarter. Revenue-based means when business picks up, payments pick up. When it's slow, payments drop. No fixed $3K/month payment when you're only doing $8K in revenue.
Result: $35K funded → payments flex → survived slow quarter
$100K for a seasonal contractor. Revenue drops 50% in winter. Revenue-based payments dropped proportionally. No scrambling for a fixed payment when jobs dry up.
Result: $100K funded → winter payments halved → crew kept
$75K for a distributor with a big Q4 ahead. Revenue-based meant heavy repayment in Q4 when revenue spiked, lighter in Q1 when it normalized. Paid off in 7 months instead of 12.
Result: $75K funded → paid off early → Q4 revenue covered it
$50K for an owner-operator dealing with spot market dips. When rates are high, payments are higher. When rates drop, payments drop. No fixed $4K/month when loads are paying 30% less.
Result: $50K funded → payments match freight market → no defaults
“Winter nearly killed us last year. This year, revenue-based financing meant my payments dropped when revenue dropped. Paid $425/day in January instead of a fixed $850. Made it to spring without laying anyone off.”
Maria G.
Restaurant Owner | Denver, CO
Qualification Estimator
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See What You Could Qualify For
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Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Full Transparency
The Real Cost of Revenue-Based Financing — No Surprises
Total repayment is the same regardless of speed. But higher revenue = faster payoff = back to keeping 100% sooner.
Based on $75K advance with 1.30 factor rate. Your factor rate depends on revenue consistency, time in business, and industry.
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Daily payment, payoff timeline, total cost — calculated in 30 seconds. No signup.
Calculate Your Revenue-Based Cost →Honest Comparison
Honest Comparison: Revenue-Based vs Term Loan vs MCA
Bobby's take:
Revenue-based financing is the middle ground between a fixed term loan and an MCA. You get flexibility without the predatory factor rates. If your business has good months and bad months, this product was built for you. A restaurant that does $4K/day in summer and $2K/day in winter shouldn't have the same payment year-round. Revenue-based makes sure you don't.
— Bobby Friel, Basecamp Funding - Founder
Revenue-based financing has limits. For amounts over $1M, our commercial team structures term loans, SBA packages, and capital stacks with lower total cost.
Explore Commercial Options →Fear Removal
Every Objection Answered
How is this different from an MCA?
MCAs take a fixed percentage of daily credit card sales and have factor rates of 1.4-1.6x — that's 40-60% cost on borrowed money. Revenue-based financing uses total business revenue (not just cards) and typical factor rates are 1.2-1.35x. That's 20-35% cost. Similar structure, significantly better pricing. And many RBF products don't require daily debit — weekly or semi-monthly is common.
What if revenue drops significantly?
Your payments drop proportionally. That's the whole point. If revenue drops 50%, your payment drops ~50%. You won't default because you can't make a fixed payment during a slow stretch. The tradeoff: it takes longer to pay off. But you stay current and avoid default — which protects your business and credit.
Can I pay it off early?
Yes — and you should if revenue allows. Higher revenue = higher daily payment = faster payoff. Some RBF products have a fixed total repayment (factor rate), so paying early means you're done sooner but the total cost is the same. Others offer early payoff discounts. We'll match you with the right structure.
Is 15% of daily revenue too much?
Typical RBF takes 10-20% of daily revenue. At 15% on $3,000/day, that's $450/day or ~$9,900/month. If your margins are 30% on $3,000/day ($900/day profit), you're giving up half your profit to repayment. That works short-term for growth capital but isn't sustainable long-term. We size the repayment percentage to your margins.
What's the real total cost?
Factor rates typically range from 1.20 to 1.35. On $75K: 1.20 factor = $90K total repaid ($15K cost). 1.30 factor = $97,500 total ($22,500 cost). 1.35 factor = $101,250 total ($26,250 cost). That's 20-35% cost on the borrowed amount. More expensive than a term loan, but cheaper than most MCAs and you get flexible payments.
How fast can I get funded?
1-3 business days from application to funding. We need 4-6 months of bank statements and merchant processing statements. Once the underwriter reviews your revenue patterns, offers come within 24 hours. Fastest funding is same-day for strong profiles.
Simple Process
How Revenue-Based Financing Works
Tell us how much you need and share 4-6 months of bank statements
60-second application — underwriter reviews your revenue patterns
70+ lenders compete to offer you the best factor rate
Specialist calls with your options — factor rate, repayment %, timeline
Accept, sign, and get funded — as fast as 1 business day
Right Fit?
Who Revenue-Based Financing Is For — and Who It's Not For
Great Fit
Not the Right Product
Full Transparency
What Kills Your Revenue-Based Financing Application
You Likely Qualify If
Red Flags That Cause Denials
Industries
Industries We Fund Revenue-Based Financing For
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Flexible Payments Start With a 60-Second Application
Revenue-based financing matches your payments to your cash flow. Pre-qualify now — no credit impact, no obligation.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
FAQs
Revenue-Based Financing FAQs
Revenue-Based Financing for Small Business — $10K to $1M, Flexible Payments, 70+ Lenders
Fixed monthly payments don't work for every business. If your revenue swings 30-50% between seasons — or even between weeks — a fixed $5K/month payment can crush you in a slow period. Revenue-based financing solves this. Your daily payment is a percentage of your actual revenue. Busy month? You pay more and pay off faster. Slow month? Payment drops and you keep breathing. Run the numbers on our loan cost calculator to see what your daily payment looks like at different revenue levels.
We fund revenue-based financing for every industry: restaurants surviving seasonal swings, auto repair shops bridging slow quarters, construction contractors managing winter revenue dips, med spas launching new treatments, and trucking companies riding spot market fluctuations. One 60-second application, no hard credit pull, and a specialist reviews your revenue patterns within the hour. $10K to $1M, funded in as fast as 1 day.
Revenue-based financing often funds equipment repairs, marketing launches, and seasonal inventory. If you need commercial coverage for your business assets, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
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