Funding that can move with your revenue.
Revenue-based finance links repayments to how your business trades, which can suit companies with seasonal or variable income. Subject to provider terms.
What is revenue-based finance?
Available through selected funding partners
Revenue-based finance is a form of business funding where repayments are typically linked to a share of future revenue, such as card takings or online sales, rather than a fixed monthly amount.
Because repayments can rise and fall with your takings, it may suit businesses with uneven months, including retail, hospitality and e-commerce. The exact structure, including how much is repaid and how it is collected, is set by the funding provider.
Tilva Capital does not provide revenue-based finance directly. We can explore whether suitable options may be available through relevant third-party funding partners.
Often used for
Card-taking businesses
Where repayments may be collected from card sales.
Seasonal stock
Preparing for busy periods before revenue arrives.
Online growth
Funding campaigns and inventory for e-commerce sellers.
Fit-outs and upgrades
Refurbishing premises or investing in the customer experience.
How it typically works
- Amount
- Often based on recent revenue, such as card or online sales, together with the provider’s eligibility criteria.
- Repayments
- Typically a share of future revenue, so repayments may be lower in quieter periods and higher in busier ones.
- Total cost
- Usually expressed as a fixed fee or total repayable amount. Review how this compares with other forms of finance.
- Duration
- Not always fixed. The time taken to repay can depend on how quickly your business trades.
- Requirements
- Providers may ask for trading history, bank statements and details of card or online sales.
Product features, costs and terms are set by each funding provider and vary between providers and applicants.
Business finance without the usual friction.
Three steps. One enquiry. A clear view of what may be available to your business.
- 1
Tell us about your business
Share a few details about your company, funding requirement and recent trading.
- 2
We match your requirements
We review your circumstances and identify suitable options from relevant funding partners.
- 3
Review your options
If suitable funding is available, you can review the proposed terms before deciding whether to proceed.
Common questions
Is revenue-based finance a loan?
It depends on the product. Some revenue-based products are structured as loans and others as advances against future revenue. The provider’s terms will explain the structure.
Do I need to take card payments?
Not always, but many revenue-based products are designed around card or online sales. Eligibility varies by funding provider.
What happens in a quiet month?
Where repayments are linked to revenue, they may reduce when takings are lower. How this works, and any minimum repayment requirements, depends on the provider’s terms.
Can I compare this with other funding options?
Yes. When you make an enquiry, we look at your requirement first and may explore other routes, such as working capital or business loans, where suitable.
Ready to explore your funding options?
Tell us what your business needs and Tilva Capital can help you explore suitable finance options.
Completing an enquiry does not guarantee funding. Finance is subject to status and the terms of the relevant funding provider.