Revenue-based Financing
Flexible Repayment
Aligned with Your Revenue
Experience stress-free financing with no fixed repayment schedule—repay only as you earn, in proportion to your business revenue.
Explore Revenue-based Financing Solutions From Our Trusted Lending Partners.
What is Revenue-Based Financing?
Revenue-based financing is a type of loan where repayments are tied directly to your company’s monthly revenue. This flexible structure allows you to repay less during slower months and more when your revenue increases—helping reduce financial pressure during off-peak periods.
It’s especially suitable for newer businesses with consistent sales, and can be supported by transaction data from your POS system, e-commerce platforms like Shopify or Stripe, or delivery services such as Grab and Deliveroo.
How does it work?
Loan Disbursement and Flexibility in Repayment
Revenue-based financing offers a loan structure similar to an unsecured business term loan, with funding of up to 3X your monthly revenue. However, the key difference lies in its flexible repayment model, which adjusts according to your actual revenue. Here’s a quick example to illustrate how it works:
Example
Daniel operates a local fitness studio in Bishan, offering group classes, personal training, and on-demand virtual workouts. He collects payments through his studio’s POS system, a booking app, and recurring subscriptions on his website.
His average monthly revenue is $50,000, and he’s looking to expand by upgrading gym equipment and hiring an additional trainer. With his revenue clearly trackable, Daniel qualifies for a revenue-based loan of up to $150,000 (3X monthly revenue).
Instead of a fixed repayment amount, Daniel agrees to repay 10% of his monthly revenue. This means:
In a high-revenue month of $50,000, he pays $5,000
In a slower month with $30,000 revenue, he pays only $3,000
This flexible repayment plan gives Daniel peace of mind, knowing he can scale his business without the burden of fixed monthly repayments.
As high as
95%*
Approval Rate
As low as
8%*
Interest Rate
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