Bridging the Gap Between You and Business Success
Customized Funding Solutions to Fuel Your Growth
Products We Offer
*Revenue-Based Funding*
*Revenue-Based Funding*
*Revenue-Based Funding*
Revenue-Based Funding is a flexible financing option where repayments are directly tied to your business’s incoming revenue, typically as a fixed percentage of total sales within each repayment period (weekly or monthly). Unlike traditional loans with fixed payments, this model adjusts with your cash flow — payments are higher during strong sales periods and lower when revenue slows. It is ideal for businesses with predictable or recurring revenue streams, such as subscription services or growing sales volumes. Repayment usually continues until a set multiple of the original loan amount is paid off, which may range from 1.4 to 2.5 times the principal.
Typical products falling under Revenue-Based Funding include:
- Merchant Cash Advances (MCA): Advance on future credit card sales, repaid with a percentage of daily or weekly card receipts. No fixed interest but often higher factor rates.
- Revenue-Based Loans: Loans repaid as a percentage of total revenue, not just card sales. Usually no collateral required and faster approval.
- Working Capital Loans with Revenue Tied Repayment: Flexible working capital funds repaid proportionally to sales performance.
These options provide fast, non-dilutive growth capital without requiring strong credit or assets, making them excellent for startups and businesses with irregular income but strong growth potential.
Industry examples:
- Fitness & Wellness Startups: A fitness startup used revenue-based funding to launch new product lines and scale operations swiftly, allowing them to pay back more during peak seasons and less when demand dips.
- SaaS Companies: A software-as-a-service provider deployed revenue-based financing to expand into larger markets without diluting ownership, enabling them to grow their client base steadily while maintaining operational control.
Typical products include merchant cash advances and revenue-based loans that adapt to business performance and allow reinvestment during high-revenue periods.
*Credit-Based Funding*
*Revenue-Based Funding*
*Revenue-Based Funding*
Credit-Based Funding relies primarily on your business’s creditworthiness and credit history. This category includes term loans and lines of credit where repayment terms and interest rates are based on your credit score and financial health. It is a common choice for established businesses with solid credit profiles, providing predictable payments and competitive rates. This option is suitable for those who want straightforward loans or credit access to manage cash flow, expand, or invest in equipment.
Common credit-based products include:
- Term Loans: Fixed amount loans repaid over a set period with fixed monthly payments and interest rates.
- Lines of Credit: Revolving credit allowing you to borrow up to a credit limit, repay, and borrow again with flexible repayment schedules.
- Working Capital Loans: Loans aimed at improving cash flow, typically requiring solid credit history and financial documentation.
These products are suitable for businesses with established credit profiles seeking predictable financing solutions to expand, manage cash flow, or invest in operations.
Industry examples:
- Retail Businesses: An established retail store secured a line of credit to manage seasonal inventory purchases and cover payroll during slower months, benefiting from flexible revolving credit.
- Manufacturing Firms: A manufacturer obtained a term loan to purchase machinery upgrades, relying on strong credit ratings to get favorable terms and fixed repayments over several years.
Products in this category include traditional term loans, working capital loans, and credit lines that reward good credit with competitive rates.
*Asset-Based Funding*
*Revenue-Based Funding*
*Asset-Based Funding*
Asset-Based Funding uses your business assets, such as inventory, equipment, or accounts receivable, as collateral to secure financing. This type of funding can offer larger loan amounts since it is backed by tangible assets, often allowing businesses that might not qualify for unsecured loans to access capital. It is particularly useful for businesses with valuable equipment or inventory but limited credit history or cash flow stability, allowing you to leverage what you already own to fuel growth.
Asset-Based Funding is secured by tangible business assets like accounts receivable, inventory, or equipment. Lenders advance money based on a percentage of the value of these assets, allowing businesses to unlock cash tied up in their operations.
Key asset-based products:
- Invoice Factoring: Selling outstanding invoices to a lender or factoring company at a discount for immediate cash, with repayment tied to invoice collection.
- Accounts Receivable Financing: Using unpaid invoices as collateral for a loan or line of credit, providing immediate working capital.
- Equipment Financing: Loans or leases secured by new or used equipment, designed specifically to purchase or upgrade business assets.
- Asset-Based Lines of Credit: Revolving credit secured by a pool of assets like inventory and receivables, allowing flexible borrowing.
Asset-Based Funding is optimal for businesses with valuable physical assets or accounts receivable but may lack strong credit profiles or consistent revenue streams.
Industry examples:
- Logistics Companies: A trucking company leveraged equipment financing to purchase new trucks, using the vehicles themselves as collateral to get favorable loan terms.
- Wholesale Distributors: A distributor utilized invoice factoring to convert outstanding customer invoices into immediate cash flow, allowing them to meet payroll and supplier obligations without delay.
This category covers invoice factoring, accounts receivable financing, equipment loans, and asset-backed lines of credit, ideal for asset-rich businesses needing liquidity despite weaker credit or inconsistent revenue.
What Do You Need to Qualify?
That depends on exactly what type of financing your business needs.
- Revenue-Based Funding:
Minimum $10,000 monthly deposits verifiable business revenue back 4-6 months, Credit 580 and up - Credit-Based Funding:
Requires good to excellent credit scores, plus stable business financials. - Asset-Based Funding:
Uses business assets like equipment or invoices for collateral, generally accepts all credit scores
GIMME SUM FINANCIAL ~ Financing for all 50 States!
Small-Business Funding Solutions Brought to you by Go-Getters, FOR Go-Getters!
If you meet these basic criteria, tap the INQUIRE NOW button below for a quick preliminary check. We’ll help get your alternative lending journey started efficiently and confidently!
