What businesses need to know about factor rates
Have you ever considered an alternative way to acquire assets for your business without the hefty upfront costs? Enter lease financing.
Unstable revenues giving you worry lines?
Earn more, pay more; earn less, pay less. Revenue-based small business loans and revenue-based financing are ideal for businesses with fluctuating revenues.
Get used to hearing “yes”
500 minimum credit score and a team that appreciates your business’s potential. No wonder we have nearly twice the approval rate of the corporate business lenders.
We’re in the business of supporting your business
It takes 10 minutes to pre-qualify and as fast as 4 hours to get approved. No wonder 30,000+ businesses across the U.S. rely on us for business loans.
Great short- and mid-term financing option that lets you meet day-to-day cash flow needs and invest in your business.
“That was so fast and easy”
No mountains of paperwork, no weeks of waiting. We roll out the red carpet for you.
No more “will they, won’t they”
Get clear answers and the revenue-based small business loans and financing you need.
Cash when you need it
Get access to funds for whenever you need them with a revolving line of credit.
You only pay for what you use
Don’t burden your gross margins with interest rates and debt when you don’t need to.
Revolving credit, not revolving doors
Discover the difference of working with a team that understands and appreciates not all business plans are the same.
Turn invoices due months from now into capital for your business today.
No waiting weeks and months for funds
You know what they say, “funding delayed is funding denied.” (Okay, maybe they don’t say that but we do…)
This is so much easier than chasing after payments
Shake off the uncertainty of late payments and failed payments and let the factor take of it.
Revenue-based financing, also known as royalty-based financing, is a financing model in which businesses secure capital from an investor in exchange for a portion of the business’s monthly revenues. Usually, this amount will be a fixed percentage of the business’s revenues.
Naturally, that means that the business will pay more on months when generated revenues are higher, and less when revenues dip. This makes revenue funding optimal for business owners with strong—but fluctuating— gross revenues, or those with highly predictable revenues.
An increasingly popular form of funding, revenue financing is especially popular with tech companies and B2B software-as-a-service (SAAS) companies in particular, as such companies often have subscription-based sales.
Before we delve further into the pros, cons, and eligibility requirements of revenue-based lending, let’s look at the differences between revenue loans and equity or debt-based loans.
As mentioned above, revenue financing differs from both equity financing—including venture capital, growth capital and angel investing—and debt financing in notable ways.
Unlike traditional debt financing loans, which typically require fixed monthly payments and a set interest rate, revenue-based investing doesn’t accumulate interest. While the amount you’ll repay for a revenue loan may vary month to month, the percentage you’re paying won’t.
Funding that you receive from venture capitalists or private equity or angel investors, meanwhile, will entitle those investors to partial ownership. Equity financing offers the advantage of a lack of monthly payments, but it also means that you’re committed to forfeiting a portion of your equity, and therefore perhaps forfeiting some of your control over your business.
Click “Get Started” to unlock revenue-based small business loans. It’ll take 10 minutes and all you need is some basic business information.
We’ll review your application and reach out to you in as little as one day to discuss your ideal business revenue-based loans and financing.
Get funds deposited directly into your bank account as fast as the same day and start using them instantly.
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.” 
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.” 
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.” 
After dealing with multiple funding companies, this is the only company that presented me an offer with no pressure or false promises. Every other company I spoke with said they could beat Credibly’s offer, but most fail short. This was my second round of funding with Credibly and they are by far the most straightforward merchant cash advance company that I could find. Wherever you go, working capital is expensive and it can be exhausting with all the calls. A lot of other companies I had to report for shopping my information around and pulling my credit without consent. Credibly presented me an offer and allowed me to breath while I made a choice I could only make for my business. Not once did they ask for other companies offers. I am hoping to not need any other cash advances in the future, but this will be the only place if I do.” 
Mick Sibinovic is a man of his word. He is very responsive, informative & persistent!! He made me feel like more than just a number, which is why even with multiple other offers I still chose to go with credibly. I reached out first a couple months back and after he diligently worked hard to get me the best funding options, I turned it down. He welcomed me back with open arms this time around. Not only is he partnering with me on a short term strategy but a long term strategy as well. I’m excited to see where my business will go & grow with the help of Mick.” 
I run a small business and have utilized multiple other lenders for capital as needed. This is my second time funding with Credibly. Mr. Andrew Jasina did an outstanding job in laying out options for funding. He addressed my questions and was able to find a solution that fit our needs. If you or anyone you know is looking for capital, I would strongly recommend speaking with Andrew @ Credibly.” 
We love flexible financing as much as you do. But are small business loans based on revenue right for you?
With the pros and cons of getting a revenue loan, one could say it’s a financing option best suited for established companies that have a steady revenue history and aren’t worried about where revenues will be coming from in the future.
That’s not to say that businesses with inconsistent revenues over the course of the year can’t benefit (such as those with seasonally-fluctuating revenues), but revenue-based financing firms will generally want to see evidence of guaranteed revenues going forward. As stated above, businesses that operate on a subscription model (like SAAS companies) are also great candidates for revenue funding.
Sold on revenue loans but not sure you’d qualify? Revenue-based financing isn’t the only alternative financing to traditional bank loans and equity financing.
At Credibly, we offer a range of small business financing options that suit a range of needs, including for business owners who don’t have a track record of solid gross revenues or an especially high credit score.
Still looking for the right growth capital? Check out all our financing options.
We see you, not a balance sheet
You’re not just a credit score and P&L sheet to us. We’ll understand your business and connect you to the best revenue-based business loans and financing.
Your business, you’re boss
We aren’t venture capitalists looking to take over, we’re partners cheerleading your success. How do you think we got a 4.8 rating on TrustPilot…?
Get the financing you need to stabilize your cash flow and grow your business.
Have you ever considered an alternative way to acquire assets for your business without the hefty upfront costs? Enter lease financing.
You’re ready to take the next big step for your business
Have you ever considered an alternative way to acquire assets for your business without the hefty upfront costs? Enter lease financing.
*Some products are made available through Credibly’s network of external funding partners
**$15K+ avg. deposits for a three-month average and the most recent month. Rates, pricing, requirements, and other terms and conditions are subject to change without notice.