Flexible Capital
Revenue-Based Financing
Non-dilutive growth capital repaid as a fixed percentage of monthly revenue. Payments naturally rise and fall with your business.
Overview
What is a Revenue-Based Financing?
Revenue-based financing provides capital today in exchange for a share of future business revenue. Instead of a fixed monthly payment, remittance scales with your top-line — payments rise in strong months and ease in slow ones.
For businesses with consistent card processing, ACH deposits, or recurring revenue but variable monthly cash flow, revenue-based capital is often the fastest, most flexible way to access growth funding without giving up equity.
Best For
High-growth or seasonally-variable businesses needing flexible capital.
Common Uses
Best for these business needs
How it works
A clear path from application to funding
- 1
Apply
Short online application.
- 2
Submit statements
Recent business bank statements (typically 3–6 months).
- 3
Approval
Decision typically returned in hours, not days.
- 4
Term selection
Choose the advance size and remittance structure that fits.
- 5
Funding
Funds delivered to your business bank account.
Eligibility
Qualification considerations
Eligibility varies by lender and financing program. The items below are general considerations, not guaranteed approval requirements.
- Time in business
- Typically 6+ months operating history.
- Revenue
- Consistent monthly business revenue.
- Bank activity
- Recent business bank statements demonstrating deposit patterns.
- Industry
- Broad industry eligibility, subject to restricted categories.
Documents
Documents you may need
Exact documentation depends on loan size, lender and use of funds.
- Business bank statements (typically 3–6 months)
- Business identification (EIN, formation docs)
- Owner ID and information
- Voided business check
Benefits
Why businesses choose it
- Payments flex with revenue
- Fast approvals — often same day
- Non-dilutive — no equity given up
- Broad qualification vs. traditional bank credit
Considerations
What to think about
- Total cost of capital is generally higher than bank loans
- Daily or weekly remittance is common
- Not classified as a loan in every jurisdiction
- Refinance / stacking rules vary by provider
FAQ
Frequently asked questions
Disclosure. Revenue-based products in Mosky Capital's network include purchases of future receivables and merchant cash advances. These are not loans in every jurisdiction; commercial terms, factor rates and remittance structures vary by provider.
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Learn moreReady to explore your financing options?
Start an application or speak with a senior underwriter to structure the right capital for your business.