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

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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
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Why Choose Revenue-Based Finance?

Aligns repayments with cash flow
No equity loss or long-term lock-in
Fast setup—funds within 3 to 7 days
Works alongside other funding options
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Is it right for me?

Best when you:
Have seasonal or uneven revenue
Need working capital you can control
Want to avoid multiple applications
Think twice if:
Need a single upfront sum (consider Fixed-Term Loans)
Can’t confidently manage short-term repayments
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Is it right for me?

Best when you:
Have reliable, recurring revenue
Want flexible capital to fund growth
Prefer simple, fixed-cost repayments
Think twice if:
Lack visibility on revenue or payment cycles
Need funding for large capital investments

Freqently asked questions

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How is revenue tracked?

Through direct connections to Stripe, Shopify, Xero or your business bank account.

What does it cost?

Most lenders charge a flat fee and set a cap (e.g. borrow £100k, repay £120k).

Can I repay early?

Yes. Early repayment discounts are common.

Do I need to give up equity?

No. This is non-dilutive.

Will I need a PG?

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