Revenue-Based Financing Made Easy — Get Funded in as Little as 24 Hours
Access the capital your business needs to cover payroll, inventory, expansion, or any short-term cash flow gap. Funding amounts are based on your business revenue.
REIL Capital's streamlined approval process gets capital into your account within one business day. No weeks of bank underwriting required.
Competitive factor rates with no hidden fees and no prepayment penalties. Transparent pricing from day one.
Revenue-based financing (RBF) is a way businesses can secure a cash advance, which they then repay using a set percentage of their daily or weekly sales. Unlike the typical bank loan that demands collateral and excellent personal credit, RBF focuses on the business's revenue history and current cash flow to approve funding.
Here's the thing: revenue-based financing is one of the quickest and most straightforward options for small and mid-sized companies. Owners looking for working capital for needs like inventory, payroll, new equipment, marketing campaigns, or smoothing out seasonal cash flow hiccups often opt for RBF. Why? Because it offers speed, flexibility, and reliability that traditional lending just can't compete with.
Revenue-based repayment means your payments scale with your sales. Pay more when sales are strong, less during slower periods. This eliminates the cash flow crunch that fixed-payment loans create for seasonal businesses.
Business opportunities do not wait for bank approval timelines. Whether you need to purchase discounted inventory, cover an unexpected expense, or fund a new contract, REIL Capital delivers capital in as little as 24 hours.
REIL Capital's bridge financing is unsecured. You do not need to pledge equipment, real estate, inventory, or any other business or personal assets to qualify for funding.
REIL Capital evaluates your business based on revenue performance, not just your FICO score. Business owners with credit scores as low as 500 can qualify, making this accessible for entrepreneurs rebuilding credit.
Revenue based financing (RBF) offers a unique way to obtain capital. You provide a share of your future monthly revenue until you hit the total repayment goal. Here's the thing: unlike fixed monthly payments, your contributions ebb and flow with your business's performance. When you're pulling in strong revenue, you'll pay more. During leaner times, your payments shrink.
RBF is ideal for businesses pulling in at least $25,000 in monthly revenue. You won’t need collateral, and in many cases, there's no personal guarantee. Plus, you don't have to worry about giving up equity.
Revenue based financing for startups strikes a balance between equity-laden venture capital and the stringent requirements of bank loans. It's perfect if your startup's cash registers are ringing, but traditional banks aren't interested yet. With RBF, you can boost growth without sacrificing ownership.
Generally, RBF providers look for at least 3-6 months of revenue track record and over $10,000 in monthly recurring revenue. Ideal candidates include SaaS startups, e-commerce outfits, and subscription-driven companies. REIL Capital can partner with pre-profit startups, provided your revenue is on the rise.
Both revenue based financing and bridge loans offer quick access to business capital, but they cater to different needs:
| Feature | Revenue Based Financing | Bridge Loan |
|---|---|---|
| Repayment | % of monthly revenue (flexible) | Fixed monthly payments |
| Collateral | None required | Often requires assets or receivables |
| Best for | Ongoing growth funding | Short-term gap between financing events |
| Term | Variable (ends when cap is reached) | Fixed (typically 6-18 months) |
| Cost | 1.2x-2.5x repayment cap | Interest rate + fees |
If you need repayment flexibility that aligns with your business performance, RBF is your go-to. However, if you're aiming for a specific funding amount and time-bound repayment, a bridge loan should be your choice.
Short term business loans are a handy solution for securing quick capital, with repayment terms that typically run 3 to 18 months across the market. They bridge the gap between slow-moving traditional bank methods and the fast-paced needs of expanding businesses. Often, they're the go-to option for companies that require swift funding and can confidently outline a repayment plan.
With a short term loan, you receive a lump sum paired with a fixed repayment timetable. A line of credit, however, allows for flexible borrowing and repayment as needed. Go for a short term loan when you're certain of the amount and can predict repayment. Opt for a line of credit if your capital demands are unpredictable and ongoing.
REIL Capital offers short term business loans ranging from $5,000 to $1,000,000, with terms from 6 to 48 months. The approval process considers your business revenue and cash flow.
Grasping the ins and outs of bridge loan requirements before diving into the application process really pays off. It not only saves you time but boosts your chances of getting the green light. While bridge loans are all about speed, lenders still dig into crucial business fundamentals to set eligibility and terms.
Beyond just ticking the boxes, lenders love to see businesses with a clear plan for the money. They want to know about your repayment source — whether it's an incoming receivable, a contract on standby, or longer-term financing in the works. Consistent or upward revenue trends and a low debt load relative to revenue sweeten the deal. If you can pull out documentation for your expected repayment event — like a signed contract or an SBA loan moving through underwriting — that can really tilt the scales in your favor, both in terms of getting approved and landing better terms.
At REIL Capital, we don't just look at a credit score when evaluating bridge loan applications. We take in the whole picture of your business's health. Here's the thing — most applications get a decision back within 24 hours, and you could see funding in your account within 48 hours after approval.
