Recurring versus project revenue
The easiest way to judge any revenue-linked repayment is to separate your income into two buckets. Recurring revenue repeats on a schedule you can predict: monthly service contracts, memberships, maintenance agreements, retainers. Project revenue arrives in lumps when a job completes. A repayment that follows revenue behaves smoothly against the first bucket and erratically against the second.
In this category, repayment rises and falls with receipts. We do not publish rates or terms here, and nothing on this page is a quote; the aim is to help you test fit.
Where Sacramento's recurring revenue sits
Sacramento is the state capital and the county seat of Sacramento County, with a metro area of 2.46 million residents. Its economy has been anchored by government and has diversified into healthcare, manufacturing and technology; companies such as Sutter Health, Aerojet Rocketdyne, Blue Diamond Growers and Powerschool are among those named as based in the area. Around that base, small firms often live on repeating work:
- Software and IT support firms selling monthly service.
- Cleaning, landscaping and facility-maintenance companies on recurring contracts.
- Medical billing, staffing and clinic-support vendors.
- Gyms, studios and training businesses with memberships.
Those are illustrative categories, not a list of who qualifies.
Stress-test the repayment on your own numbers
- Write down your revenue for each of the last six months.
- Mark the lowest month and ask whether the business would still cover payroll and rent in it.
- Look at what share of revenue is contractually recurring.
- Ask the funder how the total repayment is set and whether there is a cap on how long it runs.
For illustration, a firm earning $60,000 in a typical month and $38,000 in its weakest month sees a revenue-linked repayment shrink in the weak month, which helps. But if repayment is set as a share of revenue and the share is large, it can still squeeze margins. Round numbers, not our terms.
Compared with other structures
| Structure | Best when |
|---|---|
| Merchant cash advance | Receipts arrive daily and you want remittances to follow them |
| Line of credit | Gaps repeat and you want to draw only when needed |
| Term loan | One defined purchase with a clear payoff period |
What to ask a funder
- How is the share of revenue set, and does it change over time?
- Is there a total repayment figure, and what is it?
- How often is money collected, and from which account?
- Can you repay early, and does that change the total?
Written answers to these four questions tell you more than any headline amount.
Applying
We fund $25,000 to $5,000,000, with funding in as little as 24 hours once approved. We consider FICO scores of 500 and up, ask for about three months of business bank statements and do not require tax returns. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Folsom, Elk Grove and Rancho Cordova owners can use the same application.