Waves, not streams
Some businesses earn like a stream: small amounts, every day. Others earn like a tide: nothing, nothing, then a large amount. San Diego has plenty of the second kind. International trade is one of the city's largest sectors, alongside defense, tourism and research and manufacturing, and importers, exporters, freight brokers and customs-adjacent service firms often get paid when a shipment is delivered or a project is complete.
In revenue-based financing, repayment in a period rises and falls with the revenue the business took in during that period. A wave of income sends more, a dry spell sends less. We do not publish rates or terms here, and nothing on this page is a quote.
A trader's timeline, for illustration
- Month 1: the trader pays a supplier $50,000 for goods.
- Months 2 and 3: goods are in transit and clearing, and the trader still pays rent and one employee.
- Month 4: the goods are sold and $72,000 arrives.
- Month 5: a slow month, with small receipts.
A fixed monthly payment that starts in month 2 hits when nothing is coming in. Repayment linked to revenue is lighter in months 2 and 3 and larger in month 4. That timing is the whole appeal. The numbers are invented and are not our terms.
When the flex helps and when it does not
| Situation | Effect |
|---|---|
| Few large receipts a year | Flex helps a lot, but check whether any payment is due in dry months |
| Steady monthly receipts | Little benefit from flexing |
| High margins | A revenue share is easier to absorb |
| Thin margins | A share of revenue can swallow the profit |
The margin line is the one that catches people. A share of revenue is a share of sales, not a share of profit, so a business with a ten percent margin can feel a ten percent share sharply.
Compare before you decide
A merchant cash advance is also repaid from receipts, usually daily or weekly. A term loan has a fixed schedule. Working capital covers a defined gap. Write down the total repayment for each before choosing.
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. Owners in Chula Vista, Carlsbad, San Marcos and La Mesa can apply as well.