Borrow against future revenue instead of fixed monthly payments. Compare revenue based financing offers from multiple lenders — repayment flexes with your sales, not against you.
Check My Eligibility →Revenue based financing (RBF) provides capital to a business in exchange for a fixed percentage of future monthly revenue until an agreed cap is repaid. There are no fixed monthly loan payments and no equity taken — lenders share in your performance rather than charging an interest rate.
That makes RBF a strong fit for businesses with seasonal or variable revenue: subscription companies, e-commerce stores, SaaS, agencies and restaurants. When revenue is high, repayment is higher; when it dips, so does your payment. Through BidMyCapital, one application is sent to multiple lenders who compete for your business.
A fixed share of your monthly revenue (typically 2% to 10%) goes toward repayment until the cap is met.
Your payment scales with revenue, so slow months cost less and strong months clear the balance faster.
The agreement sets a total payback cap up front, so you always know the maximum you owe.
RBF costs are expressed as a multiple on the amount funded, typically 1.15x to 1.4x. A $50,000 advance at a 1.25 multiple means repaying $62,500 total. Because repayment is a percentage of revenue, the effective cost depends on how quickly your revenue clears the cap.
Some RBF partners accept new businesses with strong revenue signals.
Consistent revenue matters more than credit score for approval.
Bank statements, payment processor or accounting feed to verify revenue.
Check your eligibility with no impact on your credit score.
Revenue based financing is capital given to a business in exchange for a fixed percentage of future monthly revenue until an agreed cap is repaid. There are no fixed monthly payments and no equity is taken.
Both are repaid from revenue rather than fixed payments, but RBF typically uses a set monthly percentage of gross revenue with a clear cap, while an MCA often deducts a daily share of sales. RBF is generally considered more structured and transparent.
Yes. RBF underwriting is driven by revenue, growth and cash flow rather than personal credit. Many lenders work with owners whose scores are below 600.
It can be. Revenue financing is often used by startups and e-commerce brands with real revenue that cannot yet access traditional bank debt — no equity is given up.
Most RBF lenders can fund within a few days of approval. Applying once through BidMyCapital lets multiple lenders compete at the same time.
The cap is the maximum total you repay — the funded amount times the agreed multiple. Once your revenue share reaches the cap, the agreement is complete.