Flexible Funding Tied to Your Revenue — Not Your Credit
Access $10K–$5M in working capital fast, with repayment that flexes with your cash flow. No collateral. No rigid monthly payments. Just capital that works like your business does.
$10,000 – $5,000,000
1–3 Business Days
Repayment Terms
6 Months – 3 Years
Factor Rate
1.10 – 1.50
Minimum Requirements
Overview
What Is Revenue-Based Financing?
Revenue-Based Financing (RBF) — also called a Merchant Cash Advance — gives your business a lump sum of capital upfront in exchange for a percentage of your future receivables. Unlike traditional loans, there are no fixed monthly payments. Instead, a small percentage of your daily or weekly revenue goes toward repayment automatically, meaning when business slows, so do your payments.
This product is ideal for businesses with strong revenue but limited credit history, seasonal cash flow, or those who need capital quickly without the weeks-long wait of a bank loan. Because approval is primarily based on your revenue performance rather than your personal credit score, even businesses with credit scores as low as 500 can qualify.
Approvd works with 75+ lending partners to find you the most competitive factor rates available, often getting funded within 1–3 business days of approval.
Why Approvd?
No impact to credit score
Simple Process
How Revenue-Based Financing Works
Apply in 5 Minutes
Complete our simple online application. No paperwork marathon — just basic business and banking information.
Get Matched Instantly
Our AI-powered platform analyzes your revenue data and matches you with the best RBF offers from 75+ lenders.
Review Your Offers
Compare factor rates, advance amounts, and terms side-by-side. Your dedicated advisor walks you through every option.
Get Funded Fast
Once you select an offer and sign, funds are typically deposited within 1–3 business days — sometimes same-day.
Repay Flexibly
A small, agreed-upon percentage of your daily/weekly revenue is remitted automatically — no late fees, no surprises.
Key Advantages
Benefits of Revenue-Based Financing Through Approvd
No Collateral Required
Your future revenue secures the advance — no personal assets, real estate, or equipment put at risk.
Low Credit Score Accepted
With approvals starting at 500 FICO, RBF is accessible to businesses that traditional banks turn away.
Fast Funding
From application to funded in as little as 24 hours — ideal when you need capital for an immediate opportunity.
Revenue-Aligned Repayment
Pay more when business is booming, less when it slows. Cash flow never gets squeezed by a fixed payment.
No Prepayment Penalty
Pay off your advance early and stop the factor rate accrual — saving you money if your business performs well.
Renew & Stack
Once you've repaid a portion of your advance, you may qualify for additional capital — grow as you go.
Common Uses
What Can You Use Revenue-Based Financing For?
Businesses across industries use revenue-based financing through Approvd to fund growth, manage cash flow, and seize opportunities.
- Purchasing inventory ahead of a busy season
- Covering payroll during a slow cash-flow month
- Funding a marketing campaign to drive revenue
- Emergency equipment repair or replacement
- Taking on a large contract that requires upfront materials
- Bridging the gap between invoicing and payment
Ready to Get Started?
Apply in 5 minutes. Get matched with real offers from 75+ lenders. No impact to your credit score.
Or call (516) 262-5269Common Questions
Revenue-Based Financing FAQ
How is a factor rate different from an interest rate?
A factor rate is a multiplier applied to your advance amount (e.g., 1.30 means you repay $1.30 for every $1 advanced). Unlike interest rates, it's a fixed cost — it doesn't compound or increase over time, so paying off early can save money.
Will my credit score be affected by applying?
The initial application uses a soft credit pull that does not affect your credit score. A hard inquiry only occurs if you proceed to a formal offer from a specific lender.
How much revenue do I need to qualify?
Most of our lending partners require a minimum of $10,000 in average monthly revenue. The more consistent your revenue, the better your offers will be.
Can I get RBF if I already have other financing?
In many cases, yes. Some lenders allow stacking with existing financing. Your Approvd advisor will review your current obligations and let you know what's available.
Is there a maximum advance amount?
Approvd matches businesses with advances from $10,000 to $5 million. The actual amount offered depends on your monthly revenue and business performance.
Other Financing Solutions
Not sure if this is the right fit? Explore our other products.
Important Disclosure
Approvd is a loan marketplace and does not make lending decisions or issue loans directly. All loan products, rates, terms, amounts, and approval decisions are determined solely by the individual lenders in our network. Loan availability and terms vary by lender, applicant qualifications, state regulations, and other factors.
Applying through Approvd does not guarantee loan approval or any specific loan amount, rate, or term. APR and cost of capital vary widely based on loan type, lender, credit profile, revenue, time in business, and other underwriting criteria. Representative APR examples are illustrative only and do not constitute an offer or guarantee of credit.
Business loans involve risk. Carefully review all loan documents and understand your repayment obligations before accepting any offer. If you have questions about a specific loan product, consult the lender directly or seek independent financial or legal advice.
See Your Revenue-Based Financing Options Today
Apply in 5 minutes. Real offers from 75+ lenders. Zero impact to your credit score.