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Revenue Based Financing

Funding based on your monthly revenue - payments flex up and down with your sales.

LOAN RANGE

Subject to lender approval

TURNAROUND

Subject to lender approval

Best for businesses with seasonal or variable revenue that want repayment to flex with sales and prefer not to give up equity.

About Revenue Based Financing

Revenue-based financing (RBF) advances your business a lump sum that you repay as a fixed percentage of your future sales. When revenue is strong, you pay back faster; when sales slow, your payment shrinks with them. This natural flex makes RBF a popular fit for businesses with seasonal or variable income.

There are no fixed monthly installments and no equity given up — you keep full ownership of your business. Slate Financial matches you with funders who price the advance to your revenue history and repayment capacity, so the holdback percentage stays aligned with what your cash flow can actually support.

How It Works

  1. 1Apply with recent business bank statements and, where relevant, your payment-processor statements so funders can verify revenue.
  2. 2Underwriters set an advance amount and a repayment 'holdback' — a small percentage of each day's or week's sales.
  3. 3You receive the lump sum, typically within a few business days of accepting an offer.
  4. 4Repayment happens automatically as a share of incoming revenue until the agreed total is repaid.
  5. 5Many businesses renew or 'top up' once a portion of the advance is paid down and they've built a track record.

Who Qualifies

  • Businesses with consistent revenue, ideally six or more months of history
  • Predictable card or deposit-based sales that a holdback can be tied to
  • Average monthly revenue that supports the requested advance
  • Owners across a broad credit range — revenue strength is the main driver

Typical Terms

AmountSubject to lender approval
HoldbackSmall % of daily/weekly sales
Estimated payoff4 – 18 months
Funding speedSubject to lender approval

Pros & Cons

Advantages

+Payments rise and fall with your sales, easing pressure in slow periods
+No fixed monthly payment and no collateral required on most deals
+You keep 100% ownership — no equity given up
+Fast funding and renewals as you pay down the balance

Considerations

-The effective cost of capital can be higher than traditional term debt
-Daily or weekly holdbacks reduce daily cash in hand
-Total repayment is a fixed amount, so paying it off early doesn't always reduce the cost

Ready to Apply for Revenue Based Financing?

Fill out the application below and a funding advisor will reach out within 1 business day.

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Program Highlights

Payments flex with your sales
Approval based on revenue
No fixed monthly payment
Funds in days

Required Documents

Have these ready to speed up your approval:

📄6 months business bank statements
📄Driver's license
📄Voided business check

Typical Timeline

Subject to lender approval

Timeline begins after all required documents are received and verified.

Need Help?

Talk to a funding advisor

📞 (843) 290-8928

Frequently Asked Questions