Fast, flexible working capital based on your business revenue. Get funded in as little as 24 hours with repayment that adjusts to your cash flow — not a rigid monthly payment.
Revenue-based financing (RBF) provides your business with a lump sum of working capital in exchange for a fixed percentage of your future revenue. Unlike traditional loans with rigid monthly payments, your repayment fluctuates with your sales — when business is strong, you pay more; when it's slow, you pay less.
This makes RBF ideal for businesses with variable or seasonal revenue. There's no fixed monthly payment to stress about, no collateral to pledge, and funding can happen in as little as 24 hours from approval.
At Blackburn Business Capital, we match your application against our network of 100+ lending partners to find the best revenue-based financing terms for your specific situation — whether you have perfect credit or a score below 550.
2-minute application. Basic business info.
We match you with the best lender from 100+ partners.
Compare terms and pick the best deal.
Funds deposited as fast as 24 hours.
No impact to your credit score
Cover day-to-day expenses, bridge cash flow gaps, and keep operations running smoothly during slow periods.
Stock up on inventory before a busy season or take advantage of bulk purchasing discounts from suppliers.
Launch a marketing campaign, invest in digital advertising, or expand your customer acquisition channels.
Meet payroll obligations during revenue dips or when scaling your team to handle growing demand.
Replace broken equipment, make emergency repairs, or purchase small equipment without a separate financing process.
Open a second location, renovate your space, or invest in new revenue streams to grow your business.
Get approved and funded in as little as 24 hours. No weeks of waiting like traditional banks.
Payments adjust with your revenue. Sell more, pay more. Slow month, pay less. No fixed monthly burden.
Minimum 500 FICO. We look at your business revenue, not just your credit score. Bank rejections don't stop us.
Your future revenue is the basis for funding. No need to pledge personal assets, property, or equipment.
No business plan required. No tax returns. Typically just a 2-minute application and 3 months of bank statements.
We don't rely on one lender. Your application gets matched against 100+ partners to find the best terms for you.
They're very similar. Both provide a lump sum in exchange for a percentage of future revenue. The main difference is in the repayment structure — merchant cash advances typically take a fixed percentage of daily credit card sales, while revenue-based financing may pull from total revenue through ACH withdrawals. In practice, many lenders use the terms interchangeably. At Blackburn, we help you understand exactly what you're getting regardless of what it's called.
Many of our lending partners can fund within 24 hours of approval. The application takes about 2 minutes, and approval decisions often come within a few hours. In total, you could go from application to cash in your account in under 48 hours.
No. Our initial application only performs a soft credit pull, which does not affect your credit score. Some lenders may perform a hard pull during final underwriting, but we'll always let you know before that happens.
While most revenue-based financing products require a minimum 500 FICO, we have lending partners who work with borrowers in all credit situations. The key factor is your business revenue — if your business is generating consistent monthly revenue, we can likely find a solution. Apply and let us see what options are available for your specific situation.
Costs vary based on your business profile, credit history, and the lender. Revenue-based financing uses a factor rate (typically 1.1x to 1.5x) rather than a traditional interest rate. For example, if you receive $50,000 with a 1.3 factor rate, you'd repay $65,000 total. Your dedicated funding advisor will walk you through all costs transparently before you accept any offer.
Absolutely. This is one of the most common reasons business owners come to us. Traditional banks have strict requirements that many healthy businesses can't meet. Revenue-based financing focuses on your actual business performance — not just your credit report or years in business. If your business is generating revenue, there's likely a solution.
For most applications, you'll need your last 3 months of business bank statements and a government-issued ID. No tax returns, no business plan, no financial projections required. The entire application process takes about 2 minutes.
Many of our lending partners offer early payoff discounts. Once you've repaid a certain percentage of the original advance (typically 60-70%), you may also be eligible for a renewal at increased funding amounts. Ask your funding advisor about early payoff options specific to your offer.
Apply in 2 minutes. No impact to your credit score. Get matched with 100+ lending partners and find the best revenue-based financing for your business.