How it works
Revenue-based financing is repaid as a share of revenue rather than a fixed payment. When sales rise, repayment rises; when they fall, repayment falls. 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.
Where revenue is uneven here
Rancho Cucamonga mixes retail and dining centers with a heavy logistics and manufacturing base. Wikipedia describes major companies near the transport corridors alongside shopping strips and malls. A holiday-driven retailer, a seasonal beverage supplier and a staffing firm with one anchor customer each have a different curve, but none is flat.
Side by side (illustrative)
| Month | Revenue | Flat $5,000 payment | A 9% revenue share |
|---|---|---|---|
| Peak | $90,000 | 5.6% of revenue | $8,100 |
| Normal | $55,000 | 9.1% | $4,950 |
| Trough | $30,000 | 16.7% | $2,700 |
Round numbers for illustration only. They are not our terms. The table shows how a flat bill weighs heavily in a trough and how a revenue share costs more in a peak.
Who it suits and who it does not
It tends to suit businesses with healthy margins and swings in sales. It suits poorly a business whose margin is thin all year. For a defined project compare term loans; for repeated draws, a line of credit; for the daily-withdrawal model, merchant cash advance.
Getting ready
Statements tell the story, so mark the big months and explain them. If you accept cards and also invoice, separate the two in a short note. Mention concentration if one customer is a large share.
How revenue is counted
The measure of revenue changes what you actually repay. Deposits include transfers, owner contributions and refunds, which are not sales. Card processor statements show gross sales before fees. Invoices show revenue when billed, not when paid. Ask which measure applies, and be sure your bookkeeping can produce it cleanly each month.
A business that mixes cash, card and invoice income should separate the three in a short note. That reduces misunderstandings and makes a revenue share easier to apply.
When to look elsewhere
If revenue is steady and margins are healthy, a fixed-payment product may cost less because the revenue share does not rise with your success. If revenue is tiny or highly unpredictable, a lower amount or a different structure may fit better. The right product depends on how much your income actually swings.
Applying
About three months of business bank statements; 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 San Bernardino County business funding for the wider view.