Financing
Revenue-Based Financing
Unsecured capital priced as a factor rate rather than an APR, repaid as a small fixed share of revenue. Built for speed and thin-credit, strong-revenue businesses — and priced accordingly.
Key terms
The facts, up front.
- Amount
- Up to $5,000,000 (unsecured)
- Cost
- From 1.15 factor rate
- Answer
- As fast as 2 hours
- Funding
- Same day
- Docs
- 3–6 months of bank statements
- Payments
- Monthly, bi-weekly, or weekly
- Typical fit
- $25K+/mo revenue · 6+ months · no credit floor
The true cost
See the true cost of speed
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
Periodic payment
$5,962
Total payback
$310,000
Factor
1.24×
A factor rate isn't an APR — your total repayment is simply the funding amount times the factor. No compounding, no surprises. Rates as of September 2, 2026.
A strong fit when
- Speed-critical situations where days matter
- Strong revenue paired with thin or bruised credit
- Owners who can't assemble a full document package right now
Probably not when
- Long-horizon investments — the factor cost is built for short terms
- Owners who qualify for a term loan or line and have time to wait
How the process actually works
No credit floor. We translate the factor rate into a true effective APR so you can see exactly what speed is costing you — and decide if it's worth it.
Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.
Questions
Revenue-Based Financing, answered.
Learn more
Guides on revenue-based financing.
What Is Revenue-Based Financing? A Plain-English Guide
One of the fastest-growing funding products — and one of the most misunderstood. Exactly how it works, what it costs, and when it's the smart call.
3 min read
Revenue-Based Financing: Pros, Cons, and When It Makes Sense
Same-day, low-doc, unsecured capital — with a factor-rate tradeoff. An honest breakdown of when revenue-based financing fits and when a slower structure costs less.
3 min read
Understanding Factor Rates in Revenue-Based Financing
A 1.30 factor sounds like 30%. Here is how to read the quote in total dollars and cents on the dollar — without losing the math in translation.
3 min read
- A factor rate is not an APR. Total repayment equals the funding amount multiplied by the factor rate — what you see is what you repay.
- Revenue-based financing is the most expensive option per dollar in most cases — we recommend it only when speed or access genuinely requires it.
- For qualifying businesses, revenue-based financing is funded directly by Riverhead and custom-structured to the business.
Revenue-Based Financing
See if this is your best option.
One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.