Revenue-Based Financing That Flexes With Your Sales

What is revenue-based financing?

Revenue-based financing (RBF) is an advance against your future sales. Instead of a fixed monthly loan payment, you remit a small percentage of your revenue until the agreed total is repaid. When sales dip, your payment dips with them. When sales surge, you pay off faster.

Because approval is driven by your bank deposits rather than your personal credit score, RBF is one of the most accessible forms of business funding available. Most HL Hunt clients pre-qualify with just three months of statements showing $10,000 or more in monthly deposits.

RBF is ideal for retail, restaurants, e-commerce, service businesses, and anyone whose cash flow is healthy but uneven. It is typically faster and more flexible than a bank loan, though the total cost is higher — so it works best when the capital generates a return quickly.

How revenue-based financing works

1. 1
   Pre-qualify in two minutes

   Answer six quick questions about your revenue, time in business, and funding goal. No credit inquiry.

2. 2
   Share bank statements

   Securely connect or upload your last 3 months of business bank statements so we can size your offer.

3. 3
   Review offers

   Compare funding amount, factor rate, and remittance percentage side by side. Pick the structure that fits.

4. 4
   Get funded in 24 hours

   Sign electronically and receive a wire or ACH deposit — often the same business day.

Best for

• Businesses with strong daily or weekly deposits
• Seasonal revenue
• Owners with imperfect credit
• Fast inventory or marketing needs

Pros and cons

Requirements to qualify

• 3+ months in business
• $10,000+ monthly bank deposits
• Business bank account
• U.S.-based business

Requirements vary by funder. The fastest way to know exactly where you stand is to pre-qualify in two minutes — it is free and there is no credit inquiry.