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Revenue-Based Financing
About $1,590 weekly, $3,179 biweekly, $6,889 monthly
Shown at a 1.24 factor over 18 months.
Also fits: Line of Credit, Term Loan.
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- Revenue-Based Financing Capital this week on the strength of your deposits.
- Line of Credit Standing access to capital instead of a lump sum.
- Term Loan Predictable payments on a set term, without the SBA timeline.
- SBA Loan The lowest rates in small-business lending, for strong files that can wait.
- Equipment Financing Buy the equipment you need and let it secure the financing.
- Invoice Factoring Turn unpaid business invoices into cash now.
- Purchase Order Financing Fill a confirmed order for finished goods without fronting the supplier.
- Commercial Real Estate Loan Buy or refinance commercial property.
- Home Equity Homeowners with equity can fund larger amounts over multiple years.
- Consolidation Several advance payments become one lighter payment.
- Reverse Consolidation Relief on your current advance payments without a lump payoff.
- Renewal Your advance is mostly paid in and you need more.
Compare and My advance also run on their own pages: Funding comparison, Current advance.
Understanding Your Offer
How business funding works
What is a factor rate?
A factor rate is a decimal number (like 1.25) that tells you the total cost of funding. Multiply it by your advance amount and you get your total payback. If you receive $50,000 at a 1.30 factor rate, you pay back $65,000. The cost is fixed from day one. No compounding, no surprises.
Factor rates typically run from 1.15 to 1.30, depending on your deposits, your history and the term. Steady, consistent deposits tend to price at the low end.
Factor rate vs. APR
APR spreads the cost of borrowing over a full year. Factor rates don't. A 1.30 factor rate on a 6-month advance works out to a much higher APR than a 1.30 rate on a 12-month term. Shorter terms mean higher APR even when the total cost is lower.
Banks quote APR because their loans run for years. Business funding uses factor rates because terms are shorter and the math is simpler. When comparing offers, look at the total payback and the payment on its schedule (weekly, biweekly or monthly), not just the rate.
How to compare funding offers
Three numbers matter: total payback, the payment on its schedule, and the term. A lower factor rate on a shorter term can mean a bigger payment than a slightly higher rate spread over more months. Run the math on what your business can handle each payment.
Also check for origination fees, early payoff discounts, and whether the payments are fixed or a percentage of sales. Fixed payments on a weekly, biweekly or monthly schedule stay the same regardless of sales. Percentage-based holdbacks flex with your revenue. Each has trade-offs depending on how consistent your cash flow is.