Understand your revenue
Review sales patterns and determine how much of your incoming revenue your business can allocate to payments.
FUNDING PROGRAM GUIDE
Revenue Based Funding
Explore funding structures in which repayment is tied to business revenue under the provider's agreement.
Lendable Capital is not a lender. Third-party funding providers set their own terms and make their own decisions.
01 / How the program works
How the program works
A look at the process, from planning to repayment.
Examine an offer
A provider reviews your business and may offer funding with a repayment amount and a revenue-linked payment structure.
Pay under the agreement
If you accept, payments are made as specified in the contract. The way payments change with revenue depends on its terms.
Who this program fits
Revenue based funding may fit a business with recurring revenue that wants to evaluate a repayment structure connected to sales rather than assume every offer works like a traditional installment loan.
What lenders typically review
Requirements vary by provider, but these are useful areas to prepare.
- Time in business
- Monthly revenue and its consistency
- Cash flow and existing payment obligations
- Credit profile and business bank records
Benefits and tradeoffs
Potential benefits
- Some agreements adjust payments as revenue changes.
- The structure may align payments with the business's sales activity.
Things to consider
- A share of revenue paid to a provider reduces cash available for operations.
- The total repayment, fees, and payment adjustments differ between agreements.
Frequently asked questions
How are payments calculated?
Some agreements use a percentage of revenue, while others use a different formula. Read the agreement to understand how each payment is determined.
What happens when revenue falls?
Some agreements adjust payments with revenue, but others have different terms. Ask the provider how adjustments or reconciliations work.
Is revenue based funding the same as a merchant cash advance?
They can share features, including payments linked to revenue or receivables, but contracts and structures vary. Compare each offer on its own terms.
What should I compare in an offer?
Review the total amount to be repaid, fees, payment frequency, adjustment provisions, and the effect on your operating cash flow.
Get a clearer picture of your readiness
Explore your funding profile and identify the next steps for your business.
Disclosure
Lendable Capital is not a lender, bank, or credit repair organization. We do not issue loans, make credit decisions, or guarantee funding outcomes. Our services help connect individuals and business owners with funding partners and readiness resources. Funding approvals, terms, and amounts are determined by third-party lenders and depend on each applicant's unique profile, credit history, and program guidelines.