Revenue-Based Financing  to Cover Business Growth & Expenses

What are the Benefits of Revenue-Based Financing With Biz2Credit?

One of the aspects of revenue-based financing that appeals to small business owners is its flexibility in terms of repayments. Borrowers pay a percentage of their future sales on periodic basis. The percentage of revenue that you must pay stays the same, but if you enter into a slow period in terms of sales, your payments decrease, giving you flexibility.

While revenue-based financing is generally more expensive than traditional debt financing such as a term loan or business line of credit, it does offer many benefits to small businesses:

• Revenue-based financing is not equity financing or venture capital – it allows merchants to access capital to fund whatever business needs they have without giving up ownership in their business.
• Revenue-based financing offers a flexible repayment plan. It’s not a loan that requires austere, fixed monthly payment schedules – the repayment structure with this type of financing are cash flow friendly. The percentage of your future revenue doesn’t change, but when challenges come up unexpectedly and your sales slowdown for a period, your payments decrease since the repayment schedule is tied to your sales. For many everyday small business owners, this is one of the most appealing parts of revenue-based financing.
• When applying, your credit score does not have to be as high as with other forms of financing because of the repayment structure . Instead, the strength of your sales history is weighed heavily. In short, when applying with Biz2Credit, we look more heavily on your actual revenue, not just your balance sheet.
• With revenue-based financing, the specific ways you intend to use the capital you are borrowing is not considered as heavily as it is with some other types of financing. Merchants can work with their cash for any business reason.
• Borrowers get funding quickly in a revenue-based financing agreement, unlike other types of financing.

In the past, many have scoffed at revenue-based financing as being too expensive and complex compared to more traditional financing tools. Not anymore. Revenue-based financing is quickly being recognized as an advantageous form of financing by thousands of small businesses globally.

Why Choose Revenue-Based Financing With Biz2Credit?

Biz2Credit is one of the premier financing platforms in the revenue-based financing space because we offer many advantages over many of our competitors:

• Biz2Credit’s upper limit on lending amounts in revenue-based financing is higher than many competitors. While many firms offer upper limits of $5 million, we have, on rare occasions, engaged in contracts of up to $10 million.
• Biz2Credit offers flexible repayment terms. Some lenders demand daily repayments in their contracts, while we offer various repayment options, giving you more flexibility when incorporating the repayment schedule into your budget.
• Biz2Credit requires a minimum 575 credit score, a minimum of one year in business and a minimum of $250,000 in annual revenue to apply, which are lower requirements than some competitors in the revenue-based financing space.
• An application with Biz2Credit can be completed online in minutes, far shorter than traditional types of financing.
• Biz2Credit has nearly 40 well-trained and knowledgeable small business experts globally - including a dozen in the U.S. - who can work closely with you on structuring solutions that work for your business. We will analyze your needs and construct a revenue-based financing strategy that can help your small business thrive and grow.

Why Would Businesses Need Revenue-based Financing?

If revenue-based financing is more expensive than more traditional types of debt financing, why would small businesses use it? The answer is that it is a structured solution that can be ideal for various types of situations that small businesses face.

Revenue-based financing can be a quick, nimble way to fund many of your business needs without the hassle of filling out long applications and won’t require the strict, monthly repayment plan of a term loan or the possible balloon payments that may be required in some business lines of credit. As more small businesses are finding out, it’s a smart way to finance sudden growth costs or stabilize your cash flow.

Why Biz2Credit?

• Time: faster decisions and funding through automation + optimized workflows
• Scale: built to handle high volumes without losing responsiveness
• End-to-end management: one platform from application to servicing—fewer handoffs
• Higher match rate: multiple products + pathways improve approval outcomes
• Transparency: real-time status visibility; fewer black-box steps