Revenue-Based Financing: Pricing, Eligibility, and When It Beats Debt
Revenue-based financing is the middle ground between an MCA and a term loan. The structure flexes with your sales, which is exactly what a seasonal or growing business needs — but you pay for the optionality.
How RBF is priced
Lender advances $X. You repay a fixed multiple (1.2x–1.5x) via a percentage of monthly revenue (typically 4–10%) until paid in full. No fixed term — strong months accelerate payoff, slow months stretch it.
Who qualifies
$15K+ monthly revenue, 6+ months in business, processable bank data via Plaid. FICO matters less than revenue consistency. Most lenders skip personal guarantees above $250K MRR.
When RBF wins
Seasonal businesses where a fixed payment would strangle the slow months. Growth-stage SaaS where revenue is climbing 10%+ MoM. E-commerce businesses with strong gross margin but variable monthly volume.
When to skip it
Stable predictable revenue with strong credit — a term loan or LOC is cheaper. Thin margins where giving up 6–8% of revenue compresses you below breakeven.
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