Access capital in 1-2 days with flexible repayment schedules strictly tied to sales.
Check Size: $75K-$10M
Access upfront working capital based on your total gross revenue rather than your hard assets or personal credit history. This non-dilutive structure gives you the cash needed to scale operations, with a flexible repayment model that automatically syncs with your ongoing monthly performance.
Revenue-Based Financing is designed for growing businesses that need expansion capital but want to avoid diluting ownership or taking on fixed monthly loan payments. It is commonly used to fund hiring, marketing, inventory, product development, acquisitions, and other growth initiatives. Because repayment is tied to business revenue, Revenue-Based Financing can be an attractive solution for companies with strong recurring or predictable sales.
Revenue-Based Financing provides growth capital without requiring business owners to sell equity or give up control. Instead of fixed loan payments, repayments are generally based on a percentage of monthly revenue, allowing payments to rise and fall with business performance. This flexible structure helps preserve cash flow during slower periods while giving businesses the capital they need to accelerate growth.
Revenue-Based Financing is not a one-size-fits-all product. Capital Desk works with a broad network of revenue-based finance providers, specialty lenders, and institutional capital sources to identify the solution that best aligns with your business model and growth objectives. We evaluate your revenue profile, capital needs, and long-term goals to structure financing that supports sustainable growth while preserving ownership and financial flexibility.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
Revenue-Based Financing (RBF) is a flexible funding structure where a business receives upfront working capital in exchange for a fixed percentage of its ongoing gross revenues. Unlike a traditional bank loan, there is no fixed monthly payment or rigid maturity date.
To qualify, your business generally needs strong gross profit margins, a reliable track record of monthly recurring revenue or sales, and at least 6 to 12 months of operating history. Because underwriting focuses on top-line performance, we do not require hard collateral or a pristine personal credit score.
Generally, no.
We advance a lump sum of capital based on your historical revenue patterns and set a total repayment cap (e.g., 1.1x to 1.3x the advanced amount). You repay this balance through a small, agreed-upon percentage of your gross revenue, which is automatically collected each week or month.