What is revenue-based financing?
Revenue-based financing is capital you repay as a percentage of your incoming revenue rather than a fixed monthly payment. When sales are strong, you pay more and finish faster; when sales dip, the payment shrinks with them. It's built for businesses with solid revenue but thin credit files or seasonal swings: the kind banks often turn away. The catch is cost: flexibility is priced in, and choosing this product blindly can mean paying far more than you need to. Quordx Capital matches you with lenders across the full spectrum, so you see revenue-based offers next to cheaper alternatives before you commit.
One option in our guide to Alternative Financing.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Revenue-Based Financing Actually Works
A funder advances you a lump sum, and you repay it through a fixed percentage of your revenue, typically collected daily or weekly from your bank account or card sales, until you've paid back the agreed total. The most common version brokered for small businesses is the merchant cash advance: advances run $5K-$500K, priced with a factor rate instead of an interest rate.
Qualification leans on revenue, not credit. Typical minimums: 3-6 months in business, roughly $10K+ in monthly revenue, and credit scores starting around 500-550. Decisions are fast, often 24-48 hours, because lenders underwrite from your bank statements.
Revenue-Based Options Quordx Capital Can Match You To
Merchant cash advance ($5K-$500K): Best for fast capital when credit is challenged and revenue is steady. It's a purchase of future receivables, not a loan, and it's expensive, so it should serve a short-term, high-return purpose.
Working capital loan ($5K-$500K): Best for operational expenses when you want a defined payoff instead of an open-ended revenue split.
Business line of credit ($10K-$250K+): Best for revenue businesses that want flexibility without paying a factor rate: you pay interest only on what you draw.
A/R financing / invoice factoring: Best if you invoice other businesses; advance part of the invoice value up front, based largely on your clients' creditworthiness.
Estimate your funding
Answer a few questions about your business to see a likely range.
How Quordx Capital Works
You complete one application in about 10 minutes and upload your documents, usually 3-6 months of bank statements, your most recent business tax return, and ID. Quordx Capital's matching process reads your profile and pinpoints 3-7 best-fit lenders from a network of 50+, ranked by approval probability. Most decisions come back within 24-48 hours, and funding typically arrives in 3-7 business days: some revenue-based products in 1-3.
What to Expect
Expect honesty about cost. Revenue-based financing approves borrowers other products won't, but factor rates are real money, and Quordx Capital will tell you if a cheaper product fits, even declining to submit if nothing does. There are no fees to you, ever: no application fee, no broker fee, no obligation to accept any offer. Asking costs you nothing but about 10 minutes.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures