Pay more in strong months, less when sales dip, repayment moves with you.
Revenue-Based Financing
Payments that flex with your sales.
- Repaid as revenue share
- Flexes with sales
- Light documentation
Decision as fast as 24 hours · No hard credit pull
Overview
Revenue-based financing provides an upfront amount that you repay as a fixed percentage of your ongoing revenue. When sales are strong, you pay more and clear the balance faster; when sales slow down, your payments shrink alongside them. This ties your repayment directly to how the business is actually performing rather than a rigid fixed amount.
It tends to fit businesses with steady or growing revenue that want flexibility and a lighter application process. Because approval leans heavily on your sales history, documentation is usually lighter than a traditional loan. It works well for owners who want to fund growth without committing to a fixed monthly payment regardless of conditions.
- Repaid as revenue share
- Flexes with sales
- Light documentation
Is a revenue-based financing right for you?
Great for:
- Funding growth on variable sales
- Businesses with seasonal swings
- Owners wanting payment flexibility
- Quick capital with light docs
How it works
How a revenue-based financing works.
You check your options with a soft credit pull that doesn't affect your score and share recent revenue history. Palm connects you with funding partners who size an offer around your sales.
Once approved, the funds are deposited into your business checking account, often the same day. Approval emphasizes revenue performance, so the paperwork is typically light.
Repayment is collected as a set percentage of your revenue on a regular basis. As your sales rise and fall, the dollar amount of each payment adjusts to match.
At a glance
Revenue-Based Financing terms.
The upside
- Payments flex with sales
- Light documentation needed
- Fast access to funds
- Approval leans on revenue
Things to weigh
- Total cost can exceed fixed loans
- Frequent remittance reduces cash
- Strong slow months still cost
Common questions
Revenue-Based Financing FAQs.
How are payments calculated?
Payments are a set percentage of your revenue, so they automatically rise when sales are strong and fall when sales slow. The total amount repaid is agreed up front.
Is this the same as a loan?
Not exactly. Instead of a fixed installment, you repay a share of revenue until the agreed amount is met, which makes payments more flexible than a traditional term loan.
What do I need to apply?
Mostly recent revenue history. Baseline guidelines are around 6+ months in business, roughly $15K+ monthly revenue, near 550+ credit, and a business checking account.
How It Works
Funding that moves at your speed.
Apply in minutes
A short online application, no hard credit pull to see your options.
Get matched
We review your profile and match you to the financing that fits your business.
Review your offer
Talk it through with a real funding specialist. No pressure, no jargon.
Get funded
Accept your offer and receive funds, as soon as the same day.
Do You Qualify?
Our basic requirements.
Other underwriting factors may apply. Not all applicants will qualify.
Apply for a revenue-based financing.
Tell us about your business and a funding specialist will reach out with your options. About 2 minutes, no hard credit pull, no obligation.
Start Your Application