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Revenue-Based Funding · 2026

Revenue-Based Financing for Contractors

Repayment that flexes with your cash flow — pay more in strong weeks, less in slow ones. Built for the ups and downs of contracting.

Short answer: Revenue-based financing gives contractors capital repaid as a share of deposits rather than a fixed amount — so slow weeks mean smaller payments and busy weeks pay it down faster. It's ideal for seasonal or project-based cash flow, accepts FICO 500+, runs $25,000 to $5,000,000, and funds in as little as 24 hours.

Revenue-based vs fixed repayment

How revenue-based financing compares to fixed-payment options for contractors.

FeatureRevenue-BasedFixed Term Loan
Payment sizeFlexes with depositsSame every period
Slow seasonSmaller paymentsSame payment due
Best forSeasonal / uneven workSteady, predictable revenue
Credit neededFICO 500+Typically higher
Speed24 hours1–3 days

Why contractors pick revenue-based

  • Payments shrink automatically in slow weeks
  • No fixed monthly amount to scramble for
  • FICO 500+ accepted; approval on revenue
  • Funds in as little as 24 hours
  • Ideal for seasonal and project-based work
  • Often lower effective cost than a straight MCA

What you need to apply

  • US-based contracting business
  • 6+ months in business
  • ~$30,000+ in monthly revenue
  • Last 3 months of bank statements
  • Valid EIN and business bank account

Frequently asked questions

What is revenue-based financing?
It's funding you repay as a percentage of your deposits, so the payment rises and falls with your revenue instead of staying fixed.
How is it different from a merchant cash advance?
They're related, but revenue-based structures often carry a lower effective cost and tie repayment to actual revenue, making them a smarter default for many contractors than a straight MCA.
Is it good for seasonal contractors?
Yes — because payments shrink in slow periods, it fits seasonal and weather-dependent trades particularly well.
What credit score do I need?
FICO 500+ can qualify; approval is weighted toward revenue and deposit consistency.
How fast can I get funded?
Most contractors fund within 24 hours of approval, with a 5-minute application and soft credit pull.

Get funding that flexes with you

Apply in 5 minutes with a soft credit pull. Pay more when you're busy, less when you're not.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Revenue-based financing is a commercial product, not a loan in all states. Product and company names referenced are the property of their respective owners.