Revenue Based Financing

Business Financing Based on Business Sales…Not Personal Credit

Fast and Affordable Equipment Financing:

  • Competitive industry rates

  • A wide selection of financing options

  • Flexible terms to fit your business needs

  • 5-minute application

  • Approval in as little as 4 hours

Minimum Business Requirements:

  • 675 credit score

  • 3+ years in business

  • Equipment Invoice

Strong Sales History & Recurring Revenue Carry the Weight They Deserv

Traditional term loans are not the right fit for every business situation. With more stringent approval criteria, higher amounts being required, longer processing and approval times, compounding interest rates, and the idea of a long-term commitment required, there are times when a traditional loan just doesn’t make sense.

For those times, Revenue-based Financing just may be your ideal solution. Revenue-based financing comes with financing amounts that start as low as $10,000, approvals that are based more on a strong sales history and recurring annual revenue than they are a credit score, and because terms are shorter, you pay less in finance charges.

Why Consider Revenue-Based Financing?

Sometimes, you just need $20,000 to run a marketing campaign. Or you may need $45,000 to buy some inventory. Or maybe your roof started leaking, or your AC system went down, and you need cash FAST to make repairs. Or, maybe, you fall into an industry that traditional lenders just don’t understand or deem too risky, so they automatically disqualify you…because of your industry. In these and many other situations, revenue-based financing can provide the working capital lifeblood you need.

Holistic Underwriting

Unlike traditional loans, a lower credit score will not automatically disqualify you. Revenue-based Financing looks at your business’s stability and success overall.

There are very few industry limitations with revenue-based financing and our financing specialists are trained to understand the ins and outs of many industries that are typically turned down for loans.

Personal Security

Absolute personal guarantees are not required, nor will your home be used as collateral.

Revenue-based financing is one of a few types of business financing that limits the personal exposure of the business owner and looks to the business – not personal assets or credit score – when making underwriting decisions.

Expedited Access

Because your sales history is the most heavily weighted when it comes to approval, there is very little documentation needed.

In some cases, all you will need to submit is three months of business bank statements.

With little documentation required, the underwriting process can be very quick, and you can receive approval in as little as three hours. Once approved, you can have the funds in your bank within 24 hou

Everything You Need To Know About Revenue-Based Financing

Revenue-based Financing is not a loan and therefore does not come with a fixed term or an APR. Instead, with revenue-based financing, a party purchases the future output of a business at discount. As you make those sales or your accounts receivable pay during your normal course of business, you pay a percentage of your revenue to the party that purchased your receipts. In addition to this, there are a few major differences between revenue-based financing and loans:

As with loans, there is a cost associated with revenue-based financing.

But, with this option, instead of an interest rate that accrues every day, it comes with a total, fixed cost of capital that remains the same regardless of how long it takes to pay it back.


Traditional loans typically come with a fixed monthly payment for a fixed amount of time. With revenue-based financing, you can:

  • Use a fixed ACH payment that debits an amount from your bank account based on the estimated receipts. ACH payments can be made daily, weekly, or biweekly.

  • Have your credit card processor split credit card batches and provide a percentage of revenue purchased to Funding Victory. Split batch payments are made daily.

  • Use variable ACH payments where you link your bank account to Funding Victory and our proprietary system will adjust your payment to your revenue every day.


Loan terms are more rigid – if a payment is due that you cannot make you will be in default – and often come with a pre-payment penalty. Because revenue-based financing is the purchase of a percentage of sales, there is no term and if the sales don’t materialize, you are not obligated, and because the cost is fixed, there are never pre-payment penalties assessed.

With credit card splits and the variable ACH payments, the amount of your payment is based on a fixed percentage, so the amount can fluctuate. If your sales are lower, your payment will be lower. If your sales are higher, your payment will be higher.

Do I Qualify For Revenue-Based Financing

Of all of our financing options, revenue-based financing is the easiest to qualify for! Depending on the amount you are looking to secure, the criteria is minimal with your sales history carrying the most weight:

  • You must have a minimum personal credit score of 575

  • Your business needs to have been operating for at least 1 year

  • You need to have a minimum of $10,000 in monthly sales

How To Apply?

Our loan application process is quick and painless! It should only take you about 5-10 minutes to get your full application package submitted. Simply fill out our online form, and provide your three most recent bank statements, and…that’s it, you’re done! Once your package has been submitted, a Financing Specialist will be in touch with a decision or, when necessary, to learn more about your business. Once approved, your Financing Specialist will work with you to build out terms and a payment plan that works best for your business.

Who Should Use Revenue-Based Financing?

Funding Victory's revenue-based financing products are available to businesses in virtually every industry. The industries that most frequently use revenue-based financing are:

  • Personal Services

  • Business Services

  • General Contractors

  • Restaurants

  • Retail

  • Specialty Trades

We silence the noise on the internet

There is SO. MUCH. INFORMATION. on business financing available through the internet. Determining what information is correct, who is trustworthy, and what financing options are right for you can seem like an impossible task. We’re here to put an end to the noise. As specialists in the small business financing industry for close to 15 years, we’ve stayed on top of this ever-changing landscape, and our financing specialists rigorously trained to have in-depth knowledge on how each financing product works and the situations in which each product is best applied.

…And in your head

We value and use data just as much as the next guy. But we also know that businesses are run by humans, and many times a fully data-driven scenario is not appropriate. This is why we take a consultative approach when helping small businesses seeking financing. We listen to your situation. We get a thorough understanding of your needs. We prioritize your wishes around the type of funding you are looking to acquire. We put your mind at ease, by helping you find the best possible financing solution for your business.

No Financial Smoke & Mirrors

With Funding Victory, what you see is what you get. We believe in being up-front and transparent about every aspect of the application and funding process – from both the standard and one-time fees you may encounter to your cost of capital, to the repayment terms of your loan.


Is Revenue-based Financing Right for my Business?

Revenue-based financing is a great option for all businesses that need quick access to working capital to take advantage of an opportunity or to cover unexpected expenses.  It is also a great option for businesses within industries that are often overlooked for traditional financing.  Finally, it is a great option for businesses who would typically be declined for traditional financing due to 1) the amount of financing being requested (either too low or too high for traditional financing) or 2) their current credit situation.

How flexible are Revenue-based Financing repayment terms?

Revenue-based financing offers one of the most flexible repayment options available.  Because payments are an agreed-upon percentage of daily or weekly sales, they fluctuate based on your incoming revenue.  For example, if your sales revenue is lower, your payments will be lower.

Why is Revenue-based Financing a better choice than Equity Financing?

There is no one financing option that is overall better than another.  There are, however, financing options better suited for specific situations.  And each business faces its own unique situations, so what is best for one business may not be the best for another.  For example, if you are not looking to give up a percentage of ownership in your business, then revenue-based financing would be a better option for you than equity financing because with equity financing you give away ownership of a portion of your business in return for working capital.

What are the Disadvantages of Venture Capital?

Venture capital is a form of equity financing provided to small businesses with a large amount of long-term potential.  As with all forms of equity financing, a potential disadvantage could be losing full control and ownership over your business.  Receiving funding through venture capitalists also requires an extended period of due diligence, so you should not expect to receive access to working capital quickly.  Finally, in some situations, you do not get access to the full amount of funds at once.  They are, instead, released conditionally and over time.  While these aspects of venture capital funding may be disadvantageous to some businesses, it is the right mix for others.  Always fully consider your specific situation and the pros and cons of all financing options and lenders before deciding.

Disclosure: Important Notice

Thank you for visiting Funding Victory! As your dedicated business advisor, we specialize in helping business owners and startups secure the funding they need to achieve victory in their ventures. Through our extensive network, we connect you with reputable lending and funding companies. However, please note that Funding Victory is not a financial institution, direct lender, or funding company. All funding decisions are made independently by the lending and funding institutions. Our guidance is not a substitute for professional financial or legal advice, and we prioritize the privacy and security of your information. While we strive to facilitate connections, we cannot guarantee funding outcomes. By using our website, you acknowledge and agree to these terms. For more information or clarifications, please contact us. Thank you for choosing Funding Victory as your trusted partner on your path to financial success and business growth!

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