Revenue-based small business loans

Enjoy flexible monthly payments that don’t choke your cash flow

Grow, don’t owe with revenue-based business loans

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.

Get started

Up to $400,000 in 24 hours…with our small business revenue-based loans and financing

Merchant cash advance at its best

Great short- and mid-term financing option that lets you meet day-to-day cash flow needs and invest in your business.

  • No restrictions on how you use the funds for your business.
  • Flexible monthly remittances—you pay based on what you earn.
  • Remittances deducted when you get paid by credit or debit card.

“That was so fast and easy”

No mountains of paperwork, no weeks of waiting. We roll out the red carpet for you.

  • Pre-qualify online in just 10 minutes.
  • Get approved in as little as 4 hours.
  • Receive funds directly in your bank account.

No more “will they, won’t they”

Get clear answers and the revenue-based small business loans and financing you need.

  • Credit scores 500+ eligible.
  • $15,000+ average monthly bank deposits.**
  • Must have been in business for 6 months or more.

Business line of credit*

Cash when you need it

Get access to funds for whenever you need them with a revolving line of credit.

  • Get approved once and withdraw as many times as you want.
  • Pay lower rates compared to credit cards.
  • Retain lines of credit as long as you need them.

You only pay for what you use

Don’t burden your gross margins with interest rates and debt when you don’t need to.

  • Draw some or all of the funds as you need them.
  • Pay interest only on the amount you draw.
  • No mandatory monthly payments to be made.

Revolving credit, not revolving doors

Discover the difference of working with a team that understands and appreciates not all business plans are the same.

  • 650+ personal credit scores are eligible.
  • Up to $300,000 with an unsecured line of credit.
  • No running around for documents you’ve never heard of.

Invoice factoring at its best*

Turn invoices due months from now into capital for your business today.

  • Lump sum payments deposited directly into your account.
  • Receive up to 95% of the value of invoices.
  • Freedom to use funds for the business as you need.

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…)

  • Just 10 minutes to apply for funding.
  • Get approved in as little as one day.
  • Funds deposited directly into your account.

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.

  • Factor collects payments from clients.
  • Excess amount from invoice is paid back to you.
  • No surprises—we’ll tell you about charges and repayment caps upfront.

What is revenue-based financing?

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.

Revenue-based funding vs. Other forms of funding (debt and equity)

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.

How to apply for revenue based business loans

Step 1
Pre-qualify online

Click “Get Started” to unlock revenue-based small business loans. It’ll take 10 minutes and all you need is some basic business information.

Step 2
Approval in as fast as 4 hours

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.

Step 3
Receive funds same-day

Get funds deposited directly into your bank account as fast as the same day and start using them instantly.

Unleash your business with revenue-based loans

What customers say about our small business loans
24 hours
To receive the loan amount directly in your account
30,000+
Small businesses financed across the USA
4.8 on TrustPilot
We’re more than lenders, Credibly’s a partner
100%
U.S.-based customer service team

Are revenue-based business loans and financing right for you?

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.

Pros
  • Low credit scores and fluctuating annual revenues are eligible.
  • Get approved and funded in as little as 48 hours.
  • No fixed monthly installments to worry about.
  • Unlike with venture capital, you don’t lose control of your business.
Cons
  • Flexible payments don’t mean no payments—can your revenue streams support the loan?
  • Borrowing may get expensive for lower credit scores.
  • Some small business loans based on revenue may require collateral.

We have more than just revenue-based small business loans and funding options*

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.

Long-term loans

Enjoy lower interest rates and friendlier repayment terms.

Working capital loan

Flexible loans that help you meet your day-to-day needs.

Equipment financing

Stop waiting months to save up for equipment you need now.

All financing options

Still looking for the right growth capital? Check out all our financing options.

Why Credibly?

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…?

Don’t wait for feasts, stop struggling through famine

Get the financing you need to stabilize your cash flow and grow your business.

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*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.