Revenue-Based Financing to Cover Business Growth & Expenses
Flexible financing as much as $2M+ to cover daily operational needs.
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Revenue-Based Financing Made Simple ⓘ
$25K–$2M+
Financing Amounts Range
$110,000*
Average Financing Amount
60 Seconds**
Prequalify In
Tailored Support
Dedicated Funding Specialists
*Estimates based on all revenue-based financing transactions January 2024 – December 2024.
**Create your Biz2Credit account to get an initial estimate of how much your business could receive ⓘ .
How Does Revenue-Based Financing From Biz2Credit Work?
In a revenue-based financing arrangement with Biz2Credit, you get quick funding with a uniquely flexible repayment plan. What makes revenue-It's not a traditional loan or line of credit - you don’t pay an interest rate on the borrowed funds. Instead, you get a lump sum of money in exchange for a percentage of your future revenue paid back on a daily, weekly or monthly basis plus a royalty fee until the contract is fulfilled.
Why Choose Revenue-Based Financing From Biz2Credit?
Biz2Credit is one of the premier lending institutions in the revenue-based financing space because we offer many advantages over our competitors:
Growth-Friendly Terms
While many of our competitors have upper limits of $5 million in revenue-based financing contracts, Biz2Credit technically has no upper limit on the amount we lend. While rare, we have engaged in contracts of up to $10 million.
Flexible Repayments
Biz2Credit offers more flexible repayment terms than many of our competitors. Some lenders demand daily repayments in their contracts, while we offer weekly and even monthly repayment plans.
Friendlier Requirements
Biz2Credit requires a minimum 575 credit score, a minimum of 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.
Faster Access to Funds
An application for revenue-based financing with Biz2Credit can take as little as 60 seconds to fill out, far shorter than more traditional types of financing.
Minimal Collateral
Biz2Credit has nearly 40 well-trained and knowledgeable small business experts, including a dozed in the U.S., who can work with 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.
Simple Qualification
If you've been denied traditional financing due to credit history, revenue-based financing can still be within reach. The structure focuses more on actual performance (your current and projected revenue) than on your FICO score. This is not to say FICO score doesn’t play a role but it is a combination of both the aspects that determine whether you can secure the financing or not. It’s a more inclusive way to fund businesses with real potential.
How do I Apply for Revenue-Based Financing With Biz2Credit?
Biz2Credit offers a simple application process for small business owners who are seeking revenue-based financing. The steps are:
Create Your Biz2Credit Account
Quickly create a Biz2Credit account on our website by providing some basic information about your business..
Get
Pre-Qualifiedⓘ
Speak to one of our small business financing experts to see if your business pre-qualifies
Submit Your Application
Complete a short form about your funding needs.
Receive Your Funding Decision
Our goal is to provide a funding decision quickly, tailored to your specific needs.
Revenue Based Financing Minimum Requirements
Here are the basic requirements for revenue-based financing:
-
$250,000 or more
in consistent annual revenue
-
575 or higher
Credit score
-
1 year or more in business
Time in Business Operations
What You Need to Apply for a
Revenue-Based Financing
Getting approved for revenue-based financing can be simpler than securing a traditional bank loan.
If you have strong sales history, you may have a strong chance of approval.
Here’s what most funding providers typically look for:
Predictable revenue patterns
Revenue based financing companies like Biz2Credit want to see steady revenue. We offer revenue based financing to small businesses with over $250,000 in annual revenue.
575 credit score
We work with small businesses who have a 575 credit score or higher. If your small business is below that threshold, it may be best to improve that score first before applying for funding.
1 year in operation
The one year mark for a small business is significant. Once you complete your first year in business, Biz2Credit will consider your revenue based business funding application.
How to Strengthen Your
Revenue-Based Financing Application
Here are a few tips to strengthen your application with revenue based financing companies:
- Show Consistent, Reliable Revenue
- Organize Your Financial Records
- Be Sure To Highlight Your Business's Profit Margins
- Provide a Clear Growth Plan
- Demonstrate Market Demand
Lenders want to see steady sales performance over time from applicants. Monthly or quarterly gross revenue trends will demonstrate your business’s stability and growth potential.
Keep up-to-date financial statements. Clean, organized records can make the underwriting process smoother.
Even if revenue fluctuates, showing strong gross margins assures lenders that you can handle repayments.
Revenue based financing lenders may be more likely to approve applications that show strategic, revenue-generating plans.
Show evidence that your products or services have a strong, sustainable market. Include sales data or trends proving your business is poised for growth.
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**Disclaimer: All stories are real, as told by real business owners. Customers do not receive monetary compensation for telling their stories.
From One Entrepreneur to Another: We Get You
We understand what's behind building a business you believe in.
All stories are real, as told by real business owners. Customers do not receive monetary compensation for telling their stories.
Revenue-Based Financing Articles
FROM THE KNOWLEDGE CENTER*
*This information is provided for general information only ⓘ, does not constitute financial advice, and does not necessarily describe Biz2Credit commercial financing products.
Revenue-Based Financing: A Flexible Way to Raise Funds Without Giving Up Equity
Small business owners may face a lot of challenges in finding the right ways to raise funds, especially if they’re not ready to give up ownership.
Cash Flow Management vs. Profitability What Matters More
Running a small business is not an easy job. It requires small business owners to juggle at every step and make tough choices.
Capital Funding Strategies - Grow Your Business Without Giving Up Equity
When you decide to start a business, you think of many scenarios that can come up between this dream of yours. It is not just starting a business
How to Create an Accurate Cash Flow Forecast for Your Business
Effective cash flow forecasting is essential for managing a business’s financial health and ensuring sustainability.
Comparing Top Revenue-Based Financing Companies
For any small business, financing is crucial to a company’s growth chart. Aligning the business goals with the right type of funding
Working Capital Financing for Small Businesses
Working capital financing can offer a lifeline, providing the necessary funds to cover operational costs, manage cash flow, and invest in your business’s future.
How Your Business Can Use Payroll Financing
In today’s fast-paced business environment, maintaining a steady cash flow is crucial for the success and growth of any company.
The Difference Between Gross Revenue and Net Revenue
In business buy/sell networking groups, it’s all too common to see a new member post their company’s total revenue and ask
Guide to Revenue-Based Business Loans
When it comes to securing financing, many businesses turn to traditional loans that require personal guarantees or collateral.
Frequently Asked Questions
1. What is revenue-based financing?
2. How does repayment work in revenue-based financing?
3. Do I give up equity with revenue-based financing?
4. How quickly can I get funding with revenue-based financing?
5. What types of businesses benefit most from revenue-based financing?