$25K – $2M

Revenue-Based Financing — Payments That Scale With You

Funding based on your revenue. Repay as a percentage of monthly sales — no fixed payments. Fast approval, minimal paperwork. Ideal for businesses with predictable recurring revenue.

Revenue-based financing (RBF) provides capital in exchange for a percentage of your future revenue until the advance plus fee is repaid. There are no fixed monthly payments — when sales are high you pay more, when they're low you pay less. That makes revenue-based funding especially useful for seasonal businesses, high-growth companies, and those who want growth capital without giving up equity or taking on rigid debt.

What Is Revenue-Based Financing?

Revenue-based financing is a form of alternative business funding where repayment is tied to your monthly revenue. Lenders typically take a fixed percentage of daily or monthly revenue (a 'holdback') until the total repayment amount is met. There's no fixed amortization schedule, so cash flow stays flexible.

RBF is often faster to qualify for than traditional loans and may not require a personal guarantee. It's commonly used for marketing spend, inventory, payroll, and other growth initiatives. Factor rates and holdback percentages vary by provider.

We help you compare revenue-based financing offers from multiple providers so you understand the total cost and choose the option that fits your revenue pattern and growth plans.

$25K – $2M
3–18 months
  • Revenue-based repayment — no fixed schedule
  • Payments scale with revenue in slow months
  • Fast approval — often funded in days
  • No personal guarantee required for many options

Who This Is For

  • Seasonal or cyclical businesses
  • Growth capital without dilution
  • Inventory and marketing spend
  • Bridging gaps before larger financing
  • Businesses preferring flexible repayment

Who Qualifies

  • Businesses with consistent monthly revenue (typically 6+ months)
  • Revenue levels and industry requirements vary by provider
  • Often no personal guarantee required (provider-dependent)
  • Ideal for businesses with predictable but variable revenue

Our Process

How It Works

01

Share Your Revenue

Provide basic business info and revenue history. No hard credit pull for our initial review.

02

Get Matched

We match you with revenue-based financing providers from our network.

03

Compare Offers

Receive term sheets in 24–48 hours. Compare factor rates, holdbacks, and terms.

04

Fund Quickly

Revenue-based financing often funds in days once you accept an offer.

Why Work With Us

Why Capital Collab

Fast, Flexible Options

Revenue-based financing providers in our network often approve and fund faster than traditional loans.

Compare Multiple Offers

Don't settle for the first RBF offer. We shop your profile across multiple providers.

Transparent Terms

We help you understand factor rates, holdbacks, and total cost — no surprises.

Revenue-based financing was perfect for our seasonal business. No fixed payments in slow months.

Maria Santos
Owner, Santos Boutique Hotels

Common Questions

Frequently Asked Questions

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