The core idea
Revenue-based financing ties repayment to a share of revenue rather than a fixed bill. Strong months repay faster; weak months repay less. It does not remove cost, and the specifics of any arrangement are shared 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 Oxnard's cycles suit the idea
Wikipedia notes Oxnard's fields of strawberries, lima beans and other vegetables on the Oxnard Plain, the port at Hueneme, and a manufacturing sector, with tourism in the mix. A hauling firm earns more when the harvest is large. A cold-storage operator earns when the port is busy. A coastal restaurant earns in summer. In all three, revenue moves for reasons the owner cannot control.
Fixed payment against share of revenue
| Quarter (example) | Revenue | Flat $12,000 payment | A 12% revenue share |
|---|---|---|---|
| Busy | $180,000 | 6.7% | $21,600 |
| Normal | $120,000 | 10% | $14,400 |
| Slow | $60,000 | 20% | $7,200 |
Round numbers for illustration only, not our terms. They show why the flat payment hurts in a slow quarter, and why a revenue share costs more in a busy one.
Who should not use it
A business with thin margins in every month may find a revenue share heavy even in slow periods. A business with one or two big customers should disclose that, because losing one would change revenue sharply. For a single defined project see term loans; for repeated small draws, a line of credit.
Questions to ask about any revenue-linked offer
- What share of revenue is taken, and over what period is the total due?
- Is the share measured on card sales, all deposits, or invoiced revenue?
- What happens in a month with no revenue at all?
We do not publish terms, so these are questions to carry into any conversation about this product, with us or anyone else. A clear answer on how revenue is measured matters most for businesses with a mix of cash, card and invoice income, because the measure decides what is actually repaid.
A note on seasonality and margins
Revenue sharing works when a slow month still leaves some margin. Take the weakest month of the last year and subtract costs. If anything is left after a revenue share, the structure can work; if nothing is, a smaller amount or a different product is safer.
How to apply
Bring about three months of business bank statements; the revenue pattern is visible in them. No tax returns are required. The application takes 5 minutes with a soft credit pull; FICO 500 and above is considered and sole proprietors can apply. Apply here. See also merchant cash advance and Ventura County business funding.