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Revenue-Based Finance
Repay as You Grow
Looking to scale without rigid loan terms or equity dilution? Revenue-based finance gives you capital now, with repayments tied to your monthly sales. When revenue slows, repayments shrink. When it grows, you repay faster.
Find your funding
Quick Snapshot
Borrowing Range
£25,000 - £2,000,000
Term
3 - 24 months
Rate Structure
6% - 15% of revenue (repayment capped)
Security
Usually unsecured; PG may apply
Fees
Flat fee or revenue share
Some lenders charge a fixed fee instead of interest. You might repay 1.1 to 1.3 times what you borrow. That looks small, but on a short 6 to 12 month term it works out at roughly 20% to 90% a year once you do the maths, and it can go higher. We always show you the real yearly cost before you commit, so you can compare it like for like against a normal loan.
What Is Revenue-Based Finance?
Revenue-based finance (RBF) gives you a lump sum upfront, repaid through a percentage of your monthly income. No fixed due dates, no compounding interest, no equity lost. As sales rise, you repay faster. When they dip, you avoid strain. RBF is built for flexibility.
Best for:
- SaaS and subscription businesses
- E-commerce and DTC brands
- Agencies and digital-first companies
Why Choose Revenue-Based Finance?
Is it right for me?
Is Revenue-Based Financing Right for Your Business?
Frequently asked questions
Through direct connections to Stripe, Shopify, Xero or your business bank account.
Most lenders charge a flat fee and set a cap (e.g. borrow £100k, repay £120k).
Yes. Early repayment discounts are common.
No. This is non-dilutive.
Not always. Larger facilities may require one - Risecap helps assess and insure if needed.
How It Works
Apply online or book a call
Connect your revenue data (Stripe, Xero, Shopify etc.)
Offers within 1 to 3 business days. Funds land once terms are accepted
Ready to Fund Growth Without Fixed Repayments?
Find Your Funding