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Revenue Lending Features

  • Fixed interest and fixed payments
  • Unsecured loans, no collateral. However, there is a personal guarantee
  • Daily micro-payments collected only on business days
  • 6,9,12, 15, and 18 month loan terms

Benefits of Revenue Lending

  • One benefit of revenue lending is it is up to half the cost of a Merchant Cash Advance
  • Merchants do not need to change credit card processors
  • All applicants are directed to the appropriate funding program option based on their business credit profile
  • Successful repayment builds business credit (reports to bureaus as an official lender)
  • Interest tax is deductible
  • All clients receive Business Performance Reports, analyzing the overall health of the business
  • Personalized online monitoring system that allows customers to track payment progress
  • Enrollment in “credit reporting service” is not necessary
  • Setup as automatic debits of revenue
  • Funding in less than two weeks
  • Loans are unsecured, and no collateral is required
  • Great way to access capital with shorter term and competitive pay back terms
  • Great for seasonal businesses
  • Loans for $5,000 to $150,000
  • Terms from 3-18 months
  • Flat fixed rates


  • Last 4 months Complete Bank Statements, 12 months if seasonal.
  • Last 4 months Merchant Complete Processing Statements- 12 months if seasonal
  • 1 year in business
  • Annual gross revenue of $150,000 or more in annual sales
  • Over 30 average monthly transactions
  • Some sources want credit card sales over $10,000 monthly
  • Average Transaction Amount less than $500

Credit Qualification

Business Revenue Lending

  • Multiple lending partners gives clients the best chance of approval
  • Will look at bank balance
  • Easier to qualify when business accepts credit cards
  • Care about time in business
  • Ideal for main street small businesses with high foot traffic and low ticket items who are in need of short term working capital.
  • Perfect industries with typical high transaction volume and low ticket value industries include restaurants, pharmacies, salons, apparel, pet care, medical clinics, manufacturing, furniture stores, grocery stores, gift stores, small gas stations, and many more.
  • The typical financing needs of a small business include average annual financing of $30,000 with the purpose of buying new inventory, equipment, remodeling, and advertising.
  • The likelihood of obtaining a bank loan is about 30%
  • Typical funding sources for these businesses are home equity lines, persona; credit cards, and retirement accounts.
  • For merchants who do not currently accept credit cards, they will get $5,000 to $75,000 in lending on 6 to 9 month terms.
  • For merchants who do currently accept credit cards, they will get $5,000 to $150,000 in lending on 6 to 18 month terms.



Priced similar to factoring


Not based on interest


Factors typically between 1.18 to 1.39

High Risk

As high as 1.42 for high risk

Revenue Lending “Lender Sweet Spot”

  • Medium risk (up to $100,000 via Traditional Program)
  • Three years time in business
  • Over $300,000 is annual revenue
  • Average bank balance $5,000
  • Credit score greater than 600
  • 6 to 12 month terms
  • $50,000 and over needed to submit business and personal financials with application.

Revenue Lending Lender Preferred Deals

  • Up to $100,000 between 12 to 18 months
  • Credit Score greater than 600
  • Main differentiator is reduced “risk profile”
  • 2 years time in business
  • Max loan term is 9 months
  • Less than 600 credit score
  • Main differentiator is high risk profile (Includes thin lines)

Underwriting Process

  • 1. Finance Officer pre-qualifies clients and submits completed application with 4 months of bank and merchant processing statements (all pages) along with application. Loans above $50,000 might require a signed copy of the previous year’s business and personal tax return, profit and losses, and balance sheet. In addition, provide a year to date financial profit and loss balance sheet.
  • 2. You will get a decision within two days, the lender recommends the type of loan via pre-screening types including Traditional, Standard, and Bank Only.
  • 3. Additional documents are collected as requested.
  • 4. The package is sent to underwriting for full review and generates a detailed analysis. The grading report, and includes loan options recommended.
  • 5. Applicant accepts specific loan options
  • 6. Origination documents are prepared
  • 7. Application completes paperwork and submits necessary support documentation
  • 8. Lender funds the loan within 2 days

Renewal Loans

Down Payment

A renewal loan can be initiated at 55% of down payment on initial loan

Client Performance

If there are no client performance issues with initial loan, the client can receive renewal funding equal to the initial funding.

Initial Funding

A down payment using renewal funding is needed to ensure the total amount of funding does not exceed the initial funding.

Additional Capital

This method frees up additional capital as opposed to waiting to pay down original loans to assist clients in responding to new or urgent funding needs

Other Details

High Risk Industries for Revenue Lending


  • Mortgage lenders
  • Credit card protection
  • Credit restoration and credit repair
  • Check cashing
  • Collection agencies
  • Wire transfers
  • Factoring organizations
  • Mortgage reduction services


  • Adult entertainment
  • Lotteries, raffles, gaming, gambing
  • Drug paraphernalia
  • Gambling establishments
  • Horoscope, fortune telling
  • Firearm sales
  • Escort services


  • ATV sales
  • Auto dealerships
  • Motorcycle dealerships
  • Motorhome dealerships
  • Boat dealerships


  • Timeshare investments
  • Real estate brokers
  • Real estate management companies
  • Currency exchange
  • Accountants
  • Insurance related
  • Payroll company
  • Financial transaction processing
  • Service industries
  • Ticket brokers
  • Personal trainers


  • State and government agencies
  • Airlines
  • Not for profit
  • Virtual auction houses
  • Fraternity and sororities
  • Freight brokers
  • Marinas
  • Vitamin retailers
  • Home building and remodeling construction
  • Attorney
  • Cemetery and funeral homes
  • Child day care services
  • Fitness and recreational facilities
  • Golf courses and country clubs
  • Printing
  • Schools
  • Sports and recreational instruction
  • Travel agencies
  • Transportation

Underwriting Documents

  • Documents required for qualification
  • Proof of U.S. citizenship
  • Drivers license, social security card, voters registration card, birth certificate, permanent resident alien card, medicare enrollment card.
  • Signed application and agreement
  • Voided business check
  • Three years of business lease or proof of ownership or real estate
  • Full federal tax return, personal required if sole proprietorship, business required if corporated

Another Great Revenue Option: Purchases of Future Receivables


In Business

Must be in business more than a year

Internet Business

Internet business excluded, must have physical location, it is alright if the business location is connected to your home.


$150,000 in sales or more

Credit Qualifications

Underwriting Process

  • Funding can be completed in as few as seven days
  • Proposal or offer including preliminary numbers generated within 48 hours of receiving application and bank statements
  • Final review, add three to four days once signed contracts are received
  • Additional documents and information may be requested during the Final Review period.
  • Funding occurs within two to three days following receipt of additional information and documents and completion of Final Review.
  • Package is sent to underwriting for full review, and any additional required documents or information are identified
  • Additional information is submitted to underwriting for closing
  • Underwriting assigns status as Fast Track or Complex Track. Fast Track should fund within five days of receiving contracts, and Complex Track is likely to require a more stringent underwriting process, and may require longer to fund.
  • In a client interview, the funder contacts clients directly by phone of there are additional specific concerns or questions
  • Final funding status is posted to CRM as an updated Deal Status Report
  • Underwriting contacts clients to complete the Welcome Call on the day before funding.
  • Funding is completed using ACH or wire

Premier Program

  • Funding amount $10,000 to $75,000
  • Minimum sales $250,000
  • Minimum FICO score of 650
  • Minimum deposits per month 20
  • Minimum tickets per month 30

Standard Program

  • Funding amount $5,000 to $75,000
  • Minimum sales $250,000
  • Minimum FICO score of 520

  • Minimum deposits per month 20
  • Minimum tickets per month 20

Underwriting Requirements

  • Application form
  • Authorization to Release Information Form
  • Last 4 months complete bank and merchant processing statements (If business is seasonal, provide 12 months).
  • If business does not accept credit cards, provide 6 months of bank statements
  • Loans above $35,000 might require a signed copy of previous year business and personal tax return, profit loss and balance sheet, In addition provide year to date financial.
  • Lien and judgement releases and payment plans
  • Previous landlord and business address if business moved recently
  • Franchise agreement
  • Business license
  • Divorce settlement


  • Great way to access capital with shorter term and competitive pay back terms
  • Great for seasonal businesses
  • Loans from $5,000 to $150,000
  • Terms from 3-18 months
  • Flat fixed rates