The idea in one paragraph
In revenue-based financing, repayment is tied to a share of your revenue rather than a fixed amount on a fixed date. When sales rise, repayment rises; when sales fall, repayment falls with them. The details of any specific arrangement are discussed after you apply. We fund $25,000 to $5,000,000, with funding in as little as 24 hours once the file is complete.
Why it fits uneven revenue
Wikipedia lists Ontario at 175,265 people (2020 census) across about 50 square miles, 35 miles east of downtown Los Angeles and 23 miles west of downtown San Bernardino. Wikipedia traces a history of changing local industry: a health resort, then groves, vines and olives, and now an economy that touches an international cargo airport. A business here may be a seasonal grower supplier, a contractor, a restaurant, or a shipper with long payment cycles. All of them know that revenue is not flat.
Fixed payment against revenue-linked, side by side
| Month | Revenue (illustration) | A flat $3,000 payment | A 10% revenue share |
|---|---|---|---|
| Strong month | $60,000 | 5% of revenue | $6,000 |
| Average month | $40,000 | 7.5% | $4,000 |
| Weak month | $20,000 | 15% | $2,000 |
These round numbers are for illustration only and do not represent our rates or terms. They show only why revenue-linked repayment is easier on a weak month than a fixed bill, and why it costs more in a strong one.
Who should compare options
It suits owners whose sales vary but whose margins are healthy enough to share revenue. It suits poorly a business with thin margins in every month. For steady one-time needs, compare term loans; for repeated small draws, a line of credit; for a flexible lump sum, working capital; and for the daily-withdrawal model, merchant cash advance.
What to bring to show your revenue pattern
Revenue-based structures are only as good as the picture of revenue. Label the big months and explain them: a contract that ended, a seasonal push, a customer that moved to longer payment terms. If you accept cards and also invoice, separate the two in your note so the pattern is clear.
Owners sometimes assume this product is easier on a business with a single big customer. The opposite can be true: a single customer leaving would cut revenue and make the plan harder, so mention concentration up front.
Applying
Bring about three months of business bank statements so that the revenue pattern is visible. No tax returns are required, the application takes 5 minutes and the credit pull is soft. We consider FICO 500 and above and sole proprietors can apply. Apply here. Regional pages: San Bernardino County.