Revenue-Based Financing
Funding you repay as a share of your sales, so payments rise and fall with your revenue. A flexible fit for businesses with variable income. Free to apply, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
How revenue-based financing works
Instead of a fixed monthly payment, revenue-based financing is repaid as a set percentage of your sales. When revenue is high you pay more, and when it dips you pay less. There's no fixed term — you repay until the agreed amount is met.
Who it fits
- Businesses with variable or seasonal revenue
- Ecommerce, subscription, and recurring-revenue businesses
- Owners who want payments that flex with cash flow
- Businesses with strong sales but limited collateral
How it compares
It's similar to a merchant cash advance but often based on total revenue rather than just card sales, and it's well-suited to businesses with predictable recurring income. Like other fast funding, the convenience and flexibility can cost more than a traditional fixed loan.
What lenders look at
- Monthly revenue and its consistency
- Time in business
- Deposit history — the stronger and steadier your sales, the better the terms
Revenue-based financing vs. a merchant cash advance
They're close cousins, and similarly priced. The key difference is how repayment is calculated: a merchant cash advance is typically repaid from your daily card sales using a factor rate, while revenue-based financing is usually repaid as a percentage of your total monthly revenue. That makes revenue-based financing a better fit for businesses with recurring or non-card income — subscriptions, SaaS, and ecommerce — while an MCA suits card-heavy businesses like restaurants and retail.
Revenue-based financing for ecommerce and online sellers
Online stores have a built-in cash gap: inventory and ad spend go out before sales and payouts come in. Repaying as a share of revenue lines up naturally with the ups and downs of ecommerce months, and because it's based on sales rather than assets, you don't need collateral to qualify.
Why do thousands of businesses trust LendNest?
Security
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Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
A merchant cash advance gives you cash now, repaid as a percentage of daily sales. See if you qualify — compare offers, no hard credit pull.
Funding for ecommerce and online sellers — inventory, ad spend, and scaling cash flow. No collateral needed, no hard credit pull. Compare offers.
Get business funding without putting up collateral. Unsecured loans based on your revenue and cash flow. Compare offers, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
