Last updated: 08 Jun 2026

Get revenue based financing for your business

Access capital based on your future revenue. Repay as a percentage of what you earn each month.

  • No fixed monthly payments

  • Funds in your account in as little as 48 hours

  • Free eligibility check, with no impact on your credit score

  • 200,000 UK businesses trust us

  • Business credit data powered by Experian

  • £2bn in funding approved

  • FCA regulated since 2015

What is revenue based finance?

Revenue based financing is a way for businesses to access a lump sum of capital and repay it as an agreed percentage of monthly revenue until a fixed repayment cap is reached. Unlike a traditional business loan, there are no fixed monthly payments. If your revenue is strong one month, you repay more. If it slows down, you repay less. The total repayment amount is set upfront as a factor rate, so you always know the maximum you will pay back.

How does revenue based finance work?

  • Green circle with a white number "1" in the center.

    Check your eligibility

    Complete a quick online form with details about your business and funding needs. This helps us understand which lenders and products may be suitable for you.

  • Green circle with white number "2" in the center.

    Submit your application

    Your funding specialist will helps you prepare and submit the required documents to the lender(s). This allows lenders to assess your business and provide funding offers.

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    Compare offers

    If you receive any offers, your funding specialist will help you compare them side by side, including interest rates, repayment terms, fees, loan flexibility, and overall cost of borrowing.

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    Receive funds in 24 hours

    Once you move forward with a lender and are approved, funds can be transferred in as little as 24 hours.

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    Repay as you earn

    Each month, the agreed percentage of your revenue is collected automatically until the full repayment cap is reached.

Ready to see your options?

Who is revenue based financing for?

  • Green shopping cart icon with two wheels and a handle, symbolizing online or in-store shopping.

    E-commerce businesses

    Ecommerce businesses benefit from revenue based financing because funding can be aligned with sales cycles, inventory purchases, and fluctuating online revenue.

  • Green icon of a suitcase with a handle, representing a briefcase or business concept, against a transparent background.

    Agencies and services

    Agencies and service businesses can benefit from revenue based financing because repayments are linked to revenue rather than fixed monthly loan obligations.

  • Green calendar icon with a simplistic design, featuring grid lines representing days and two tabs on top symbolizing a spiral-bound calendar.

    Seasonal businesses

    Seasonal businesses are a strong fit because repayments rise and fall with revenue, helping preserve cash flow during quieter trading periods.

  • Green computer monitor icon with a black screen on a white background.

    Saas businesses

    SaaS companies are well suited to revenue based financing as their predictable monthly recurring revenue makes repayments easier to manage as the business grows.

  • Green icon of a storefront with a scalloped awning and rectangular base, resembling a shop or market.

    Hospitality businesses

    Hospitality businesses are often a good fit because revenue can vary throughout the year, making flexible repayments more suitable than traditional lending.

How much can you borrow with revenue based financing?

The exact amount you can borrow will vary by lender, but most will offer somewhere between 1 and 2 times your monthly revenue. So if your business turns over £50,000 a month, you could typically borrow between £50,000 and £100,000 in revenue based finance. Here is a general guide to what to expect:

Monthly revenue

Typical advance

Estimated term

£10,000

£10,000 to £20,000

6 to 18 months

£25,000

£25,000 to £50,000

6 to 18 months

£50,000

£50,000 to £100,000

6 to 18 months

£100,000+

£100,000 to £200,000+

12 to 24 months


Each month, your lender collects an agreed percentage of your revenue until the full amount is repaid. If revenue is strong, you repay faster. If it slows, your repayments reduce automatically. The total you repay is expressed as a factor rate rather than an APR, typically ranging from 1.1x to 1.5x the amount advanced. The factor rate you receive depends on how predictable and strong your revenue is and the overall financial health of your business.

What are the pros and cons of revenue based financing?

  • Advantages of revenue based finance

    • Repayments flex with revenue so a slow month does not create cashflow pressure

    • No equity given up and no personal guarantee typically required

    • Decisions based on revenue performance, not just business credit score alone

  • Disadvantages of revenue based finance

    • Can be more expensive than a traditional loan if revenue grows quickly

    • Requires consistent revenue to qualify, so very early stage businesses may not be eligible

    • The repayment percentage reduces monthly cash inflow, so it is worth modelling before you commit

What do you need to qualify for revenue based financing?

  • Trading history

    At least 3 to 6 months of consistent trading

  • Minimum monthly revenue

    Typically £10,000+ per month

  • Business status

    A UK registered business with no active insolvency proceedings

WHAT OTHER FINANCE OPTIONS ARE AVAILABLE?

Explore your options from 130+ business lenders with Capitalise

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Frequently asked questions about revenue based financing