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We realize the challenges faced by women, people of color, veterans and businesses in low to moderate income areas. Revenue-based financing allows more flexibility than traditional bank debt with no equity dilution. It is similar to a term loan, but instead of a fixed payment every month, a percentage of revenue is taken.

This allows for smaller payments during slower revenue months, and larger payments in stronger months.

Financing Services
Revenue-Based Financing

Business Characteristics

  • Businesses with revenue of $1MM or higher

  • Ownership Requirements:

    • Woman owned

    • Person of Color owned

    • Veteran owned

    • LGBTQ+ owned

    • Companies located in low to moderate income areas

    • Companies that have committed to inclusive hiring initiatives

  • Profitable, break-even or clear path to profitability

  • Growing revenues or positive trends

  • Recurring contracts and predictable revenue models are a best fit

  • Time in business: 12-18 months minimum

Lending Criteria

  • Term: 2 - 5 Years

  • Funding amounts from $50K - $1MM

  • Revenue-Based Financing:

  • A portion of revenues will be paid monthly at a pre-established percentage until the principal and additional fees have been repaid

  • Typically 3%-9% of monthly cash receipts

Initial Underwriting Needs

  • 2 years of financial statements (balance sheet, P/L, cash flow) broken out by month

  • Revenue by customer

  • Debt schedule

  • Projections (if available)

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