Capital that adjusts to your revenue
Revenue-Based Financing
Revenue-based financing provides growth capital with repayment structured as a fixed percentage of monthly revenue. When revenue is strong, repayment accelerates. When revenue contracts, payment obligations decrease proportionally. No fixed monthly installments. No collateral requirements. This structure is particularly suited to businesses with variable or seasonal revenue patterns where fixed debt service creates operational risk. Yardline facilitates revenue-based financing from $10,000 to $5 million.
What is Revenue-Based Financing?
Revenue-based financing is a capital structure where repayment is tied directly to business performance. The lender receives a fixed percentage of monthly revenue — typically between 5% and 20% — until the total funded amount plus a predetermined fee is repaid.
There is no fixed end date. Repayment duration depends on revenue performance. Businesses with strong revenue months repay faster; businesses navigating slower periods are not penalized by fixed payment obligations.
Performance-Aligned Repayment
Payments scale automatically with monthly revenue, no manual adjustments required.
No Collateral Required
Underwriting is based on revenue history and trajectory, not physical assets or personal guarantees.
Well-Suited For
Revenue-based financing is commonly used by:
Service Businesses with Project-Based Revenue
Firms where monthly billing varies significantly based on active client engagements or project completions.
Seasonal Businesses
Retailers, hospitality operators, and others with predictable revenue peaks and troughs who need capital outside peak periods.
Businesses Investing in Customer Acquisition
Companies deploying capital into paid marketing or sales infrastructure where returns materialize over 3–12 months.
Companies with Strong Revenue Growth
Businesses growing month-over-month that can support a percentage-based obligation and want to avoid dilutive equity financing.
Key Features
Revenue-Aligned Repayment
A fixed percentage of monthly revenue — typically 5–20% — is applied toward repayment. Payments adjust automatically with revenue fluctuations. Strong months accelerate repayment; slower months reduce the payment obligation without penalty.
No Fixed Payment Schedule
Unlike term loans, there are no set monthly payment amounts. The repayment period extends or contracts based on business performance. No prepayment penalties for businesses that repay ahead of projection.
Fast Underwriting
Evaluation focuses on revenue history and consistency rather than collateral analysis or extensive documentation. Funding typically available within 24–72 hours of application.
No Equity Dilution
Revenue-based financing provides growth capital without requiring equity, board representation, or any transfer of ownership. The business remains entirely yours.
How It Works
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