manu // rbf
Revenue-Based Financing
Capital repaid as a percentage of monthly revenue. Payments flex with your sales. One application to 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Understanding Revenue-Based Financing
Revenue-based financing (RBF) provides a lump sum in exchange for a percentage of your future monthly revenue. Unlike a fixed-payment loan, your repayment adjusts up or down based on how much you earn each month.
How It Works
The provider advances you capital and collects repayment as a fixed percentage of your monthly revenue. In high-revenue months you pay more, in low-revenue months less. The total repayment amount is set upfront using a factor rate.
Key Terms & Eligibility
$10K to $5M
6 to 24 months, repayment tied to revenue
Factor rate 1.1 to 1.4
1 to 5 business days
550
Future revenue
One application returns matched offers from 75+ lenders, so you compare instead of guess.
Who Should Use Revenue-Based Financing?
Businesses with steady, predictable monthly revenue that want flexible repayment tied to their sales. Popular with SaaS, e-commerce, and service businesses.
Common Uses
- Scaling marketing and customer acquisition
- Hiring to meet growing demand
- Inventory for seasonal peaks
- Technology and infrastructure investment
Pros & Considerations
Pros
- Payments flex with revenue
- Fast funding, often within days
- No collateral required
- Lower credit requirements
Considerations
- Higher total cost than traditional loans
- Payments spike in strong months
- Short repayment window
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue (min. 6 months, $15K/mo)
- Bank deposit consistency and cash flow patterns
- Owner credit (min. 550), as one input among several
- Collateral or asset value, where applicable
Strong revenue or valuable assets can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need and what for. One form, no fee to apply.
- Share basic business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes, invoices, or financials if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
How is revenue-based financing different from a term loan?
A term loan has fixed payments regardless of your revenue. Revenue-based financing adjusts your payment as a percentage of monthly sales, so you pay more in strong months and less in slow months. This flexibiity helps manage cash flow during variable periods.
What is a factor rate in revenue-based financing?
A factor rate is a decimal multiplier that sets your total repayment upfront. For example, $100,000 at a 1.25 factor rate means you repay $125,000 total. The repayment is collected as a percentage of monthly revenue until the total is reached.
What credit score is needed for revenue-based financing?
RBF credit requirements are flexible, with many programs accepting scores starting at 550. Lenders focus on your monthly revenue consistency and growth trajectory more than credit history.
How fast can I get revenue-based financing?
RBF is designed for speed. Most providers fund within 1 to 5 business days. The application typically requires 3 to 6 months of bank statements and basic business details.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify through the NBC network, so checking your options does not affect your credit.
What happens if my revenue drops?
Your payment drops proportionally since it is a percentage of revenue. In a month with zero revenue, you pay nothing. However, the total repayment amount stays the same, so a slowdown extends your repayment period.
Is revenue-based financing the same as a merchant cash advance?
They are similar but not identical. MCAs are specifically tied to card sales and use daily collections. RBF can be based on total monthly revenue (not just cards) and may use monthly settlements. RBF is generally more flexible and often cheaper.
Comparing Revenue-Based Financing to Other Options
- vs. SBA Loans: SBA offers lower rates and longer terms but takes 30-60 days. Revenue-Based Financing funds significantly faster but at higher rates.
- vs. Equipment Financing: Equipment financing is secured by the asset and limited to equipment purchases. Revenue-Based Financing requires no or different collateral and offers broader use of funds.
- vs. Working Capital Lines: Working capital lines are revolving and best for ongoing needs. Revenue-Based Financing provides a lump sum suited to specific capital needs.
Related Financing Options
- SBA Loans — government-backed, lowest rates
- Equipment Financing — asset-secured, fast approval
- Working Capital Loans — revolving, flexible use
- Business Line of Credit — draw only what you need
Sources
- U.S. Small Business Administration, finance your business: sba.gov/business-guide
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org/
- SBA funding programs overview: sba.gov/funding-programs
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Verified Reviews
Businesses funded through the National Business Capital network have left 3,000+ five-star reviews on Google and Trustpilot. NBC has secured over $3B in financing since 2007 and maintains an A+ rating. Read verified reviews on NBC's website.
This page was last reviewed July 11, 2026 by Malik Samara, Managing Partner. Our editorial team reviews and updates content on a rolling basis. Learn about our editorial standards.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.