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Home / Revenue Based Financing
Leverage your business cash flow to maximize your funding amount.
Revenue-based financing IS NOT a loan. Instead, it’s a financing solution that allows your business to secure capital—quickly and easily—by leveraging your business’s future sales.
Revenue-based financing can yield funding amounts as high as $10 million, making them a great alternative to traditional business loans. Even better, they’re much more accessible than other types of financing. Whether you’re a startup, a young business, or a seasoned veteran of your industry, revenue-based financing can be an advantageous method of securing the funds you need to capitalize on opportunities and solve challenges.
This type of financing is ideal for when you need cash in the short term and don’t want to go through the hurdles of applying for more traditional loan solutions, like business term loans or SBA programs. Basically, they’re a fast and flexible financing solution to speed up your growth.
Revenue-based financing is usually unsecured, so you won’t need to offer collateral to reach an approval. Not only that, but it has the added benefit of keeping your cash flow steady by making payments based on your daily sales instead of a set schedule. In other words, you can adjust your payments to how well your business performs.
If your business is profitable, revenue-based financing can help you take your operation to the next level. You can use the funds for a wide range of business expenses, including operating costs, growth opportunities, and much more.
Revenue-based financing provides a lump sum of cash in exchange for a percentage of your future sales. Instead of managing monthly payments, you’ll repay your financing through small, automatic deductions, from your business bank account. Payments are predictable, allowing for enhanced forecasting.
The amount you’re seeking to borrow will have to correlate with your business revenue. For example, you may not be able to secure $10 million if you only generate $750,000 in annual revenue.
Fortunately, this type of financing is fast, and you can use the funds for almost any business purpose.
Revenue-based financing has many benefits, some of which are exclusive to this type of business financing. For one, entrepreneurs who leverage revenue-based financing have the ability to manage short-term cash flow issues. Instead of “treading water” until they can afford the expense, they’ll find a lender offering this type of financing to find solutions to their challenges in half the time.
Another benefit of revenue-based financing is the speed of the process. Unlike other loan products, you can secure the funds you need within 24 hours—sometimes even faster. They’re among the fastest financing solutions available to entrepreneurs, and they’re frequently leveraged by those who commonly deal with seasonal lulls or frequent cash flow disruptions.
Lastly, revenue-based financing offers increased flexibility. Less restrictive eligibility criteria allow a wider range of entrepreneurs to reach an approval, and repayment schedules are determined based on your specific circumstances. The speed of the process also contributes to the flexibility of this option, as you can secure funds quickly to help you manage sudden or unexpected expenses.
Get funding for your business, without tying up personal assets in the process.
Repayment is based entirely on day-to-day sales.
You won’t need to leverage any personal (or business) real estate as collateral.
Revenue-based financing often comes with less restrictive eligibility criteria. At IBA Loans, you’ll need:
That’s right—there’s no credit score requirement when you secure revenue-based financing with IBA. Our team draws on extensive lender relationships to secure approvals that competitors can’t, giving you an undeniable edge as you look to grow and outpace your competition.
There are no restrictions—use your capital to pursue any opportunity or overcome any challenge!
Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.
Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.
Expand or open a second location, take on more clients, or capitalize on bulk order discounts.
With revenue-based financing, the sky’s the limit. You can use the funds to purchase new equipment, add additional team members, cover operating costs, and much more. Plus, with flexible repayment terms, you can see success on your schedule with frictionless access to essential capital.
Accelerate your success with frictionless financing and expert advice that breaks down the barriers to growth for every entrepreneur. Thrive with access to a business lending marketplace that’s built for entrepreneurs, by entrepreneurs.
Experience a time-saving machine that cuts approval times from months to hours. Leverage an extensive network of multiple lenders and teams of expert financing advisors to ensure you’ll always have access to the capital that best
fits your business.
Why work with IBA? Gain a financial partner for the future, ensuring your business has the capital it needs to seize every opportunity and grow without limits.
Grow to Greatness with IBA Business Solutions.
You’re only a few clicks away from the capital you need to reach your full potential.
Manufacturing businesses leverages revenue-based financing to strengthen purchasing power and cut the middleman out of their material orders.
Transportation company uses revenue-based financing to build out their fleet after a bank loan denial.
Manufacturer lowers COGS by leveraging revenue-based financing to quickly take advantage of a discount opportunity.
Revenue-based financing is especially helpful for young businesses, startups, and operations that haven’t built up enough credit history to qualify for traditional loan products. They’re easily accessible, and funding times work fast, making them a great choice for businesses that need access to short-term capital.
But, revenue-based financing isn’t exclusive to the abovementioned businesses; Anyone can secure this type of financing to meet their goals. Whether you generate $100,000 or $10 million in annual revenue, IBA Business Solutions can help connect you with the right lender for your specific circumstances.
Revenue-based financing is often thought of as a type of business loan, but the laws governing the two are significantly different. With revenue-based financing, the lender is essentially purchasing a percentage of your future sales at a discount.
You will receive an advance on your future revenue, which you’ll repay through a portion of your future revenue stream. Small business loans, on the other hand, involve a company lending you funds in exchange for fixed payments over a set schedule.
Business loans can have repayment terms of up to 25 years, whereas revenue-based financing is designed to be more of a short-term funding solution. Although they don’t come with set repayment terms, most revenue-based financing agreements are repaid generally within two years or less.
Revenue-based financing tends to have a higher cost compared to traditional business loans, but this is offset by the shorter repayment period. Basically, the structure means you’ll spend less time in debt.
Yes! While having good credit makes it easier and cheaper to secure financing, it’s still possible to reach an approval with a less-than-favorable credit score. In fact, many online lenders offer this type of financing with no minimum credit score requirements.
When you apply for revenue-based financing, your annual revenue and time in business will weigh heavier than your credit score. The structure allows new businesses and those without extensive credit histories to secure the funds they need to grow, but they’re also beneficial for established businesses to access the capital they need to navigate challenges and afford growth opportunities.
Every lender is different, and some may require a high credit score to qualify for revenue-based financing. This is especially common with banks and credit unions, but online lenders are generally the opposite. They’re more likely to consider your revenue, potential for growth, time in business, and other factors rather than your credit score.
Yes! When you apply for revenue-based financing with IBA, you could be eligible to receive funds in as little as 24 hours—or less.
Unlike traditional lenders, IBA Business Solutions is a FinTech marketplace that allows you to receive multiple, competitive offers with one digital application. Our expert Business Finance Advisors work with you every step of the way, advising you on which opportunities would be the best fit for your specific circumstances.
You’re only a few clicks away from the capital you need to reach your full potential.
Move through our streamlined application within minutes and upload your business documents with zero risk.
Compare your offers with expert advice from our team and select the best one for your specific circumstances.
With your money in hand, you can take advantage of opportunities and tackle challenges with confidence.
Christina Foley2024-06-11Alex R. with IBA Business Solutions was extremely helpful. He was knowledgeable and helped us with everything in regard to this very quick loan. He explained every aspect of the loan and never left us wondering or waiting. It was quick and easy. We hope to do business with Alex R. in future. It was a very pleasant experience. Our team was satisfied with the process, and we will be reaching out again when the time comes. Thank you, Alex R. it was a pleasure, doing business with you. AAH
Jane Parsons2024-06-06Alex was very professional and informative
Kristin Thompson2024-06-01Brian is Awesome he makes the entire experience easy and from start to finish. I won't use anyone else. Great experience.
Charlotte Lee2024-05-16Taylor was my caseworker. I really must say that Taylor was AWESOME. She’s an expert at customer service. There were times my own attitude got out of hand but Ms.taylor never one time stopped helping. She did it in such a way where I always felt like she put me 1st. She always made me feel important. This is my 2 nd time dealing with IBA and Taylor was determined to find a solution. I’m happy with my results. Thx again Taylor.😊
richard fletcher2024-05-10Hey thing for the help I appreciate everything u did it was like 123
james burke2024-05-09Had very good experience with Alex Rubin help easy and fast help good job and god bless
Larry Thornton2024-04-17Quick and professional
Tina Bryant2024-03-29I was so proud to be a part of this- everything he and Elvis said they was going to do they did- Alex thank you -
Michael Reese2024-02-28Wow! Finally, a reliable source of help when needed! As an African American business owner, it is often easy to be disregarded when seeking temporary assistance. However, this company stands out. I collaborated with Ethan Scott, who displayed exceptional diligence. The application process commenced yesterday, and today I received my loan. I express my gratitude to Ethan and IBA Business Solutions.
Merideth Muzic2024-02-26They team was very helpful in providing information on their products and services. The delivery process was quick and easy.. Highly recommended.
Building a business is hard. We completely understand that. Here at IBA, our pledge is to turn your stress into solutions. Our business financing products and services will support your journey wherever it may take you.
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