Revenue-Based Financing

We realize the challenges faced by women, people of color, veterans and businesses in low to moderate income areas. Revenue-based financing allows more flexibility than traditional bank debt with no equity dilution. It is similar to a term loan, but instead of a fixed payment every month, a percentage of revenue is taken.

This allows for smaller payments during slower revenue months, and larger payments in stronger months.

Business Characteristics

• Businesses with revenue of $1MM or higher

• Ownership Requirements:

◦ Woman owned

◦ Person of Color owned

◦ Veteran owned

◦ LGBTQ+ owned

◦ Companies located in low to moderate income areas

◦ Companies that have committed to inclusive hiring initiatives

• Profitable, break-even or clear path to profitability

• Growing revenues or positive trends

• Recurring contracts and predictable revenue models are a best fitTime in business: 12-18 months minimum

Lending Criteria

• Term: 2 - 5 Years

• Funding amounts from $50K - $1MM

• Revenue-Based Financing:

• A portion of revenues will be paid monthly at a pre-established percentage until the principal and additional fees have been repaid

• Typically 3%-9% of monthly cash receipts

Initial Underwriting Needs

• 2 years of financial statements (balance sheet, P/L, cash flow) broken out by month

• Revenue by customer

• Debt scheduleProjections (if available)

Contact us today for a free evaluation of your financing needs from one of our finance specialists.