Typical amount
$10,000 – $250,000
Small business loans
Revenue-based financing
Capital repaid as your sales come in.
Apply now
Free to apply. No credit impact to submit2.
Time to funding
Some partners fund in 1–2 business days after approval
Repayment
A share of sales, or fixed daily or weekly payments
Often reviewed
Recent deposits more than a long operating history
These are typical ranges, not a quote. Lending partners set the amount, cost, timing, and minimums. Applying does not guarantee an offer.
What it is
You receive a lump sum. In return, the provider purchases a portion of future receivables or sets payments tied to your sales. The cost is usually a fixed payback amount rather than a traditional interest rate. That total cost can be higher than a bank loan, and payments can be frequent. Read the payback amount, the payment schedule, and any fees before you accept.
Revenue-based financing, sometimes called a merchant cash advance, advances funds against future sales. Payments usually come out daily or weekly until the agreed amount is repaid.
Who it is for
- Businesses with consistent card or bank deposits
- Short-term working capital when a bank loan is a poor fit
- Owners who can support daily or weekly payments
What partners often look for
Credit
Often more flexible than a bank loan. Many partners still review credit.
Time in business
Often at least 6 months
Revenue
Consistent deposits, commonly from about $10,000 a month
Recent business bank statements are usually required.
How to apply
- 1
Apply in minutes
Tell us about the business, the amount, and what the funds are for. Applying is free.
- 2
Get connected
One Funding shares your application with lending partners. Those partners decide whether to make an offer.
- 3
Review any offer
If a partner approves you, read the amount, cost, and payment schedule before you accept. Funding speed depends on that partner.
Questions
Is this the same as a merchant cash advance?
Many revenue-based products are structured as a purchase of future receivables, which is the structure behind a merchant cash advance. The agreement should say whether you are taking a loan or selling future sales.
How do payments work?
Partners commonly collect a percentage of sales or a fixed amount each business day or week until the payback amount is complete. The term often runs a few months to about 18 months, depending on the size and your sales.
Is the cost an interest rate?
Often no. The offer may show a purchase amount and a payback amount instead of an APR. Compare the total you repay, not only the speed.
Apply for Revenue-Based Financing
One application. No obligation. Partners decide whether to offer funds.
Looking at another option? Business Line of Credit, HELOC, Startup Loans.