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Business Capital Advisors

Revenue-Based Financing

Fast, flexible funding that flexes with your sales.

Cash-flow-based funding repaid as a small share of daily or weekly revenue, so slower days cost less. Also known as a merchant cash advance (MCA), it's the fastest route to capital when speed matters most.

Is this the right product?

Structured around your business, not a one-size offer.

It fits when

  • Consistent daily or weekly revenue and a time-sensitive use: inventory buys, equipment failure, a contract that needs mobilizing
  • Profiles banks decline: 500+ FICO, 6+ months in business, roughly $20K+ monthly deposits
  • Owners who understand the cost and are buying speed

Look elsewhere when

  • Slow-burn needs where a cheaper product has time to close
  • Thin-margin businesses where a daily deduction would stress operating cash

How to qualify

  • Roughly $20K+ in monthly business deposits, verified from bank statements
  • 6+ months in business and owner FICO around 500+
  • Underwriting reads deposit consistency, not just totals

What you'll need

  • 3 to 4 months of business bank statements
  • Driver's license and voided check
  • Larger amounts add a one-page application and sometimes tax returns

Cost and timeline

Illustrative example, with every number shown: a $60,000 advance (principal) at a 1.30 factor rate repays $78,000 in total, collected as roughly $650 per business day over about 6 months. Because repayment is fast, the APR equivalent is high, commonly in the 60 to 90%+ range depending on repayment speed. Factor rates are not APR; both are disclosed before you sign.

The fastest product on the shelf: offers within 24 hours and funding typically 24 to 48 hours after documentation clears.

Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.

Go deeper: What Is a Merchant Cash Advance? →

Common questions

Revenue-Based Financing, answered straight.

What is a factor rate and what is typical?

A factor rate is a fixed multiplier on the advance, not an interest rate. Industry ranges run 1.15-1.50: a $60,000 advance at 1.30 repays $78,000 total no matter how fast you repay. See our factor rate explainer for the full math.

How are payments collected?

Fixed daily or weekly ACH debits from your business bank account, sized against your deposit history at underwriting. The example on this page, $650 per business day on a $60K advance, shows the shape.

Does paying off early save money?

Usually not, the fee is fixed when you sign, so early payoff raises your effective annual cost. Some funders offer prepayment discount addendums for payoff inside a stated window; ask for that schedule in writing before signing.

What do I need to qualify for revenue-based funding?

Consistent business bank deposits, generally $15K+ per month, several months of operating history, and readable bank statements. Offers can arrive within 24 hours, with no hard credit pull to see them.

How it works

From hello to funded.

  1. 01

    Tell us what you need

    Two minutes, how much, what for, and your monthly revenue. No hard credit pull.

  2. 02

    We structure your options

    Your advisor matches your file to the right product and 3-5 vetted funders, not 50.

  3. 03

    Compare real terms

    See factor rate or APR, payment, and total cost, all disclosed before you sign anything.

  4. 04

    Get funded

    Accept, upload a few documents, and funds can land in as little as 24-48 hours.

Other ways we structure capital

Let's structure your revenue-based financing.

Two minutes to apply. First offers in 24 hours, with every term disclosed before you sign.

Get my funding optionsCall (307) 667-1250