Revenue-based funding

Revenue-Based Funding

An advance against future sales, repaid as a share of what comes in.

Advance amount: $5K – $500K
Term: 4–18 months
Time to fund: 24–48 hours

An advance repaid as a share of what comes in.

Best for retail and restaurants, seasonal businesses, card-heavy revenue

An advance is not a loan. It buys a fixed share of the business's future sales at a discount and collects as those sales arrive, so a strong week repays more and a quiet week repays less. For a business whose months are not the same size, that is the entire point of it.

It approves businesses the other five will decline, and it is the most expensive money here — both of those are true at once.

What it gives you

Why a business takes this one

Approves on takings, not on credit score
Repayment moves with sales
No collateral required

The application

Start the application

Six steps and a few minutes. A soft inquiry only, no fee, and no obligation to take anything that comes back.

All six

And what it is not

Term Loan

A one-time lump sum repaid over a fixed period, with a payment that never moves.

Funding amount: $10K – $1M
Starting rate: From 6%

Business Line of Credit

A revolving limit you draw on when you need it, paying interest only on what you take.

Credit line: $10K – $500K
Starting rate: From 8%

Short-Term Loan

A fixed sum with a short payoff, for a cost that has already landed.

Loan amount: $5K – $500K
Starting rate: From 9%

Working Capital

Money for running the business at the size it already is.

Loan amount: $5K – $500K
Starting rate: From 7%

Equipment Financing

Up to $2 million for machinery, vehicles and technology, secured on the equipment itself.

Financing amount: $10K – $2M
Starting rate: From 5%

Revenue-Based Funding

An advance against future sales, repaid as a share of what comes in.

Advance amount: $5K – $500K
Term: 4–18 months

Amounts, terms and rates below are Guardian's own published figures. Rates are the floor of what the network writes, not a quote.