What is revenue-based financing?
Revenue-based financing (RBF) advances you capital that you repay as a fixed percentage of your ongoing revenue, rather than a fixed monthly amount. When sales are strong you pay back faster; when they dip, your payment shrinks with them.
It's especially well suited to subscription, SaaS, e-commerce, and other businesses with steady recurring revenue that want financing that flexes with their cash flow instead of a rigid schedule.
How it works
- You receive a lump sum based on your recurring revenue.
- Repay a set percentage of revenue until a flat total is repaid.
- Payments automatically flex up or down with sales.
- No fixed maturity date — it's paid off as revenue comes in.
What it costs
Revenue-based financing charges a flat fee: you repay the amount advanced plus that fee through a fixed share of your revenue, so payments rise in strong months and fall in slow ones.
Because there is no fixed term, the effective annual cost depends on how quickly you repay. Use the factor rate to APR calculator with your expected payoff time to compare an offer with a loan.
Rates, amounts and terms on this page are typical ranges, not offers or guarantees. Your terms depend on your business and the lender that makes the offer. Cashifi is not a lender and does not make credit decisions.
Best for
- SaaS and subscription businesses
- E-commerce and online sellers
- Businesses with seasonal or variable sales
- Founders who want non-dilutive growth capital
Pros and considerations
Pros
- + Payments flex with revenue
- + Non-dilutive — you keep equity
- + Fast, light-touch approval via revenue data
- + No rigid monthly payment to miss
Considerations
- – Requires steady recurring revenue
- – Total cost can exceed traditional loans
- – Higher revenue share means faster paydown
Do you qualify?
- 6+ months in business
- Steady recurring or online revenue (~$5,000+/mo)
- Connectable revenue data (Stripe, PayPal, etc.)
- No minimum credit score for many programs
Typically you'll provide: Revenue dashboard export, or a Stripe/PayPal connection.
How to apply
- 1Complete one application online — about four minutes, with a soft credit check that won't affect your score.
- 2Upload your recent business bank statements so lenders can see your revenue and cash flow.
- 3Compare the offers that come back, ranked by total cost, and choose the one that fits. There is no obligation.
Frequently asked questions
Who is revenue-based financing best for?
Businesses with steady recurring or online revenue — SaaS, subscriptions, and e-commerce — that want payments that flex with sales instead of a fixed monthly bill.
How are payments calculated?
You repay a set percentage of your revenue until a flat, agreed total is paid back. Strong months pay it down faster; slow months ease the payment.
Will it dilute my ownership?
No. Revenue-based financing is non-dilutive — you repay from revenue and keep 100% of your equity.