Capital against future revenue
Funding can support inventory, marketing, hiring, or other agreed growth costs. The amount is based in part on the business’s revenue and ability to support the payments.
Revenue-Based Financing
Revenue-based financing.
Grow on the strength of your sales.
Explore growth funding built around recurring or predictable revenue. Compare repayment caps, payment flexibility, costs, and requirements before you commit.
Funding range$100K–$10M
Financing termFlexible
Funding typeFlexible capital
Typical funding time5–14 days
RepaymentSales-linked / fixed
PRODUCT OVERVIEW
Revenue-based financing,
explained.
Revenue-based financing provides money upfront in return for payments linked to your business’s future revenue. In a revenue-share agreement, a set percentage of eligible sales goes toward an agreed total payback.
This means the payment can move with your sales. A stronger revenue month contributes more toward the balance; a slower month contributes less. The time it takes to finish paying can change with your business’s actual performance.
The agreement defines which revenue counts, the percentage collected and the total amount owed. Some providers collect an estimated amount on a schedule and adjust it through reconciliation. Minimum payments or a final deadline may also apply, so check how a change in revenue actually changes your payment.
Before choosing an offer, compare the funding received with the total payback and model both stronger and slower sales. A revenue share comes out of sales, not profit, so your remaining cash still needs to cover operating costs. A quoted repayment multiple is not the same as an annual interest rate.
Westwind helps you understand the revenue calculation, payment adjustments and total cost before you compare available offers.
An agreed total payback
The agreement often sets a repayment cap: the funding plus the provider’s return. A repayment multiple describes total dollars owed; it is not an annual interest rate.
Payments linked to sales
A true revenue-share structure takes an agreed percentage of eligible revenue. Some products use fixed payments or periodic adjustments, so the agreement determines how payments change with sales.
A timeline shaped by revenue
Higher eligible revenue can repay a sales-linked facility sooner; slower sales can extend it. Any minimum payments, deadline, fees, or early-payoff terms still depend on the agreement.
BEFORE YOU APPLY
What you’ll need to get started.
Know what lenders look for and what to have ready. Your advisor helps with the rest.
What lenders look at
Revenue history
Your monthly sales, seasonality, and recent performance.
Recurring sales
How reliably customers return, renew, or keep paying.
Customer concentration
How much revenue depends on a small number of customers.
Margins & cash flow
Cash left to operate the business after the revenue share.
Existing financing
Current agreements and payment obligations alongside the new funding.
What to have ready
To start
- Funding amount, purpose & timeline
- Business details & revenue
- Existing financing & credit range
- Your contact details
For lender review
- Recent business bank statements
- Monthly revenue and financial statements
- Billing-platform or payment-processor reports, as applicable
- Recurring-revenue and retention reports, for subscription businesses
- Existing financing agreements and payment obligations
IS THIS RIGHT FOR YOU?
Does your revenue support the next stage of growth?
Start with the purpose, the payback period, and the payment your business can support. Use these signals to decide what to discuss with your advisor.
A stronger fit
- Your income repeats, or you can predict it closely
- You know what a new customer costs and what they're worth
- You don't want to give up ownership to raise money
A reason to pause
- Sales jump around or are falling
- Your margins are too thin to carry the payment
- You can get a normal bank loan
The advantages
- Preserves equity and founder ownership
- Can scale with strong recurring or predictable revenue
- Often faster and less restrictive than institutional equity
- True variable-remittance structures can adjust with sales
The trade-offs
- The implied annualized cost can be high when repaid quickly
- Not every product marketed as RBF has variable payments
- Gross margins must comfortably absorb the remittance
- Warrants, covenants, minimum payments, or personal guarantees may apply
HOW FUNDING WORKS
From application
to funding,
step by step.
Tell us about your business once. We prepare your file, find relevant lenders, coordinate the review, and help you compare your offers.
01 profile05 steps1:1 your own advisor
01
START HERE
Tell us what you need
Fill out one form with the amount, what the money is for, and the basics of your business.
RESULTOne complete business profile
- How much you need and what you will use it for
- Sales, industry, time in business, and what you already owe
02
ADVISOR REVIEW
Go through it with your advisor
Your advisor checks the request with you, gets clear on what matters, and helps gather the documents lenders will ask for.
RESULTA file ready for lender review
- Confirm timing, payment comfort, and business goals
- Collect the statements and supporting documents needed
03
MATCH & ROUTE
We find the lenders that fit
We compare your profile with different types of funding and the requirements of participating lenders.
RESULTA focused lender submission
- Narrow the list to lenders whose rules may fit
- Send the complete file only to selected lenders
04
UNDERWRITING
Lenders review the file
Each lender makes its own decision. We handle questions, document requests, and follow-up so you do not have to chase every party.
RESULTOffers you can compare side by side
- Resolve questions and missing items in one place
- Lay out available prices, terms, payments, and conditions
05
DECIDE & CLOSE
Compare, choose, and get funded
Your advisor explains the cost and tradeoffs, then helps you finish the lender's final conditions and closing documents.
RESULTThe option you choose, taken through funding
- Compare total cost, payment, term, collateral, and flexibility
- Complete final lender conditions and closing documents
How fast you get funded, what you're offered, and whether you're approved at all depend on your business, your paperwork, and the lender. Nothing here is a guarantee of an offer or approval.
RUN THE NUMBERS
Your next move.
By the numbers.
Explore how stronger and quieter sales months change your payments and estimated time to repay.
First-month payment10% of eligible sales · varies monthly
Financing costFixed financing fee + lender fees
Total commitmentContract remittance + separate fees
- Estimated payoff
- 15 months
- Revenue pattern
- Variable example
Your repayment timeline
Payments follow sales, capped at what is left to repay.
Months since funding · Based on your editable revenue projections.
Your total funding commitment
Total in USD- Capital received
- $100,000.00
- Fixed financing fee
- $10,000.00
- Additional lender fee
- $0.00
Revenue changes the payment pace. The fixed financing fee stays the same in this model. This is an editable illustration, not a revenue forecast.
Monthly revenue projections Variable example
An illustrative pattern of stronger and weaker months, not a forecast. Enter your own sales projections to model your business.
%
Scales the example’s ups and downs. Use 0% for no variation.
%
The underlying trend. Use a negative number for declining sales.
First 12 months
Your monthly edits stay fixed when the example settings change. After month 12, this pattern repeats each year, adjusted by 12 months of growth or decline per year.
What if your sales change?
Estimated months to repay. Scale every month’s projected sales 20% lower or higher, keeping the same revenue pattern, trend and repayment share. These are scenarios, not forecasts.
20% lower sales19 months$60,000.00 month 1 sales
Your estimate15 months$75,000.00 month 1 sales
20% higher sales13 months$90,000.00 month 1 sales
Repayment schedule
Monthly sales and payments in USD, rounded to cents. Payments are capped at the remaining remittance. Separate upfront fees are excluded. Projections stop after 120 months.
| Month | Eligible revenue | Payment | Balance |
|---|---|---|---|
| 1 | $75,000.00 | $7,500.00 | $102,500.00 |
| 2 | $67,500.00 | $6,750.00 | $95,750.00 |
| 3 | $82,500.00 | $8,250.00 | $87,500.00 |
| 4 | $71,250.00 | $7,125.00 | $80,375.00 |
| 5 | $86,250.00 | $8,625.00 | $71,750.00 |
| 6 | $63,750.00 | $6,375.00 | $65,375.00 |
| 7 | $78,750.00 | $7,875.00 | $57,500.00 |
| 8 | $69,000.00 | $6,900.00 | $50,600.00 |
| 9 | $81,000.00 | $8,100.00 | $42,500.00 |
| 10 | $90,000.00 | $9,000.00 | $33,500.00 |
| 11 | $66,000.00 | $6,600.00 | $26,900.00 |
| 12 | $69,000.00 | $6,900.00 | $20,000.00 |
| Full projection | $1,125,000.00 | $110,000.00 | $0.00 |
Month 1–12 of 15
Models a fixed fee and payments based on each month’s projected eligible revenue. The default monthly pattern is an editable illustration, not actual sales data or a forecast. Collections are grouped monthly, starting one month after funding. No minimum payment, maturity deadline or early-payoff discount is assumed. Input ranges are for planning, not eligibility.
LOOK AT THESE TOO
Other options worth comparing.
Don't pick on the rate alone, and don't pick on the biggest number you're approved for. Compare the whole deal.
QUICK ANSWERS
Questions people ask about revenue-based financing.
Is revenue-based financing a loan?
It can be structured as a loan, receivables purchase, or another commercial financing agreement. Legal form, guarantees, liens, and remedies depend on the actual contract.
Do payments always decrease when revenue falls?
No. Some facilities use a genuine percentage of revenue; others use a fixed remittance with periodic reconciliation. Confirm the adjustment mechanism before signing.
Does RBF require giving up equity?
Usually not, although larger growth facilities may include warrants or other equity-linked features. Those should be evaluated as part of the total economics.
What decides whether I get approved?
Lenders mostly look at how reliable your repeat income is, how many customers stay, your margins, and what growth costs you. Each one has its own rules about credit, paperwork, and what it takes to say yes.
How fast can I get the money?
Plan on 5–14 days. It can take longer if the deal is complicated, your paperwork is slow, an outside report is needed, or the lender asks for more.
What should I compare between offers?
Ten things: the total dollars you pay back, the true yearly cost, how often you pay, how long it runs, what you put up as collateral, what you personally guarantee, the rules you agree to follow (covenants), what happens if you pay it off early, the fees, and whether the money earns more than it costs.
YOUR NEXT MOVE
See whether revenue-based financing fits your business.
One application. Every option that fits. A clear path to the money.
Get funded