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HomeFundingRevenue-Based Advance
Revenue-based advance

The fastest money we place — and the most expensive.

We'll tell you that up front, because most people selling this won't. Used correctly it saves a business. Used as a patch for a structural problem, it accelerates the damage.

Pre-qualify in 4 minutes 612-927-2055
$5K–$2MAdvance size
Same dayPossible funding
500+Credit accepted
A restaurant owner taking a card payment at the point-of-sale during dinner rush
Overview

How it actually works, in plain terms

A revenue-based advance is not a loan. You sell a defined slice of future receivables at a discount today. Repayment is a percentage of daily or weekly deposits, so a slow week produces a smaller remittance and a strong week a larger one.

Pricing uses a factor rate, not an interest rate. At 1.35 on $100,000 you repay $135,000 total — full stop, regardless of how quickly you pay it down. That's the piece people miss: unless your contract has an early-payoff discount, paying it off in four months costs the same as twelve.

So the math only works when the money produces a return larger than the total cost, quickly. A $40,000 advance that lets you take a $180,000 contract is a good trade. The same advance covering a recurring monthly shortfall is the first step onto a treadmill.

  • $5,000 to $2,000,000
  • Same-day to 48-hour funding
  • Credit from 500 and from 3 months in business
  • Remittance flexes with sales — slow week, smaller payment
  • No collateral and no fixed monthly payment
  • Consolidation available if you're already carrying positions

Same day

The fastest capital available anywhere.

Flexes

Remittance moves with your deposits.

500+ FICO

The most credit-flexible cash program.

Every figure here is a typical range across our network, not a quote. Real terms come from your file.
Rates & terms

What this program actually looks like.

Amount$5,000 – $2,000,000
Factor rate1.15 – 1.49
Term3 – 18 months typical
Holdback5% – 20% of daily deposits
RemittanceDaily or weekly ACH
Funding speedSame day to 48 hours
CollateralNone · UCC-1 filing
Early payoffDiscount available on some contracts — always ask before signing

Ranges reflect typical structures across our lending network. Final terms are set by the funder after underwriting.

Qualifying

What underwriting looks for

  • 3+ months in business
  • $10,000+ monthly deposits
  • 500+ personal FICO
  • Business bank account with consistent activity
  • Limited NSFs and negative days
  • Existing positions disclosed up front
Check where I land

Documents to have ready

  • One-page application
  • 3–4 months of business bank statements
  • Voided check
  • Driver's license
  • Statements for any existing positions
Send statements as PDFs straight from online banking. Screenshots and scans slow underwriting by days.
The process

From first call to funded

  • 01

    Submit

    Application plus three to four months of statements.

  • 02

    Price

    We shop the file and pull back competing factor rates and terms.

  • 03

    Compare

    We convert every offer to total dollars and effective APR so it's comparable.

  • 04

    Fund

    Accept and receive funds, often the same business day.

Right fit

When this is the answer

  • A contract or order you can't finance any other way
  • Emergency repair on revenue-critical equipment
  • Inventory at a discount that clears the cost of capital
  • A short bridge to a known, dated receivable
  • A file that genuinely can't clear cheaper underwriting
Look elsewhere

When it isn't

  • Covering the same shortfall every month
  • Paying off another advance with a new advance
  • Any expense without a clear, fast return
  • A business already carrying three or more positions
Questions

Revenue-Based Advance, answered.

A flat multiplier on the amount advanced. Borrow $100,000 at 1.30 and you repay $130,000 total. It is not an annual rate, and comparing 1.30 to a 12% APR is comparing different units. Over nine months, a 1.30 factor is roughly 60%+ effective APR. We do that conversion on every offer we present.
Usually not, unless the contract contains an early-payoff discount. This is the single most important clause to negotiate and the one most often skipped. We ask for it on every deal and flag its absence in writing.
Ask about consolidation before you take a third. Rolling existing positions into one longer-term facility frequently cuts the combined daily remittance substantially. Send your positions and balances and Travis will model consolidation against stacking so you can see the actual cash-flow difference.
Stacking means taking a new advance while others are still outstanding. Each one takes its own slice of daily deposits, and the combined holdback can exceed what the business generates. It's the most common way a fundable business becomes unfundable.
Frequently, yes — and we'd rather place you there. If you have 12 months in business, 620+ credit and clean statements, a term loan or line of credit will cost a fraction of this. Let us check before you default to an advance.
Ask Night Fox a different question
Also worth a look

Programs that pair well with this

Working Capital

$10K–$2M in 1–3 days for payroll, inventory and opportunity.

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Term Loans

Fixed amount, fixed payment, 12–60 months. No surprises.

View program

Invoice Factoring

80–93% advanced on open invoices. Not debt.

View program
Ready when you are

Ready to move on revenue-based advance?

A four-minute application, a soft review, and no impact on your credit. Travis reads every file personally and calls back with real options — usually the same business day.

Talk to Travis directly612-927-2055
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