Payments that follow the work
With revenue-based financing, repayment is tied to what the business takes in. A busy month pays down the balance faster; a quiet month asks less. A fixed schedule asks the same of you every month.
Why swings are normal here
Fontana's economy, as Wikipedia puts it, is driven largely by industrial uses, particularly trucking-based industries. That activity moves in waves: shippers book heavy, then lighter; retail inventory seasons push freight up before the holidays and let it fall after; construction slows with weather and permits. A shop, supplier or service crew that depends on that traffic sees its revenue wobble even when it is doing everything right.
For those businesses, a payment that shrinks in weak months is more tolerable than one that does not.
What you trade for flexibility
| Feature | Fixed schedule | Revenue-linked |
|---|---|---|
| Slow month | Same payment | Smaller payment |
| Strong month | Same payment | Larger payment, balance clears faster |
| Predictability | High | Lower |
| Total cost | Known upfront | Depends on how fast revenue arrives |
Ask for total repayment under both a strong year and a weak year, and ask whether there is a minimum payment.
An illustration
For illustration only: a Fontana supplier with monthly revenue between $20,000 and $60,000 takes a payment equal to 8% of revenue. At $60,000 it pays $4,800 and at $20,000 it pays $1,600. A fixed payment sized to survive the $20,000 month would be small and slow, while one sized for the $60,000 month would be dangerous in the quiet months. The percentage here is made up and is not an offer or a rate.
Checking your own pattern
Sort twelve months of deposits from best to worst. If your top months are more than double your bottom months, repayment that tracks revenue is worth considering. If you suspect one customer drives a large share of income, ask how repayment behaves when that customer pauses orders. Because Fontana's industrial customers can pull back quickly when their own shipping volume dips, a payment that falls with your revenue offers protection that a fixed schedule cannot.
What we need
We provide funding from $25,000 to $5,000,000, as fast as 24 hours. We consider FICO 500 and above, request about three months of business bank statements, and need no tax returns. The five-minute application uses a soft credit pull. Sole proprietors can apply. If your revenue is steady, a term loan may cost less overall. For a single gap, see working capital. The Inland Empire page has regional context. Apply here.