Capital sized against your deposits.
From $25,000 to $10 million, backed by the revenue already landing in your account. Weekly or bi-weekly payments, up to 14 months, first or second position. This is short-term capital and it costs more than SBA — it exists for the move that cannot wait 60 days.
The floor, before you fill in anything: 5+ years in business, $1M+ in monthly deposits, 650 FICO. Below that this is not the product, and we would rather say so here than a week into document collection.
Weekly or bi-weekly. Never daily.
It is the single difference that decides whether a revenue-backed product helps or drowns you. A daily debit collects before your cash cycle finishes; a weekly or bi-weekly one is paid out of money that already arrived.
One scheduled payment a week or every two weeks, on a day you know. Your bank reconciliation stays readable.
Payment amount, number of payments and total repayment go on the term sheet. Nothing is discovered on a statement.
First or second position, full stop. We do not come in third behind two advances, and we do not expect you to open a third while ours is running.
If you are already carrying positions, looking at all of them and coming out with one is a structure we underwrite, not an extra you have to ask for.
This is not cheap money, and we will not pretend it is.
A ten-year 7(a) costs a fraction of this. If your need tolerates 30 to 90 days of underwriting, start there — we will tell you so on the call ourselves. Revenue-based financing wins in exactly one situation: the return on the opportunity beats its cost, and the window is shorter than the SBA calendar.
- An inventory buy at a price that exists this week and not next month
- A signed contract that needs payroll and materials before the first payment lands
- Getting out of expensive positions by consolidating them into one on a longer calendar
- Bridging a seasonal gap in a business whose deposits already prove it
- Covering a recurring operating loss — this accelerates it, it does not fix it
- Buying real estate: that is 504, over 25 years, at a fraction of the cost
- Any need that tolerates a 60-day wait
- A business already carrying two positions and shopping for a third
Why this matters on a lot.
A dealership lives on turn, and turn is precisely what a product measured against deposits can read. Auction inventory buys, reconditioning ahead of the season, a second rooftop whose lease will not wait on an appraisal — these are moves with a window. SBA buys the building and the business; this funds the quarter.
What gets checked.
The file is deliberately short — the deposits do most of the work.
- 5+ years in operation
- $1M+ average monthly deposits
- Operating account with a consistent deposit history
- No open bankruptcy
- 650 minimum FICO
- Personal guaranty from every owner at 20% or more
- No outstanding confession of judgment
- An account of any existing positions
- Six months of business bank statements
- Most recent business tax return
- Business debt schedule
- ID for each guarantor
Common questions
Is this a merchant cash advance?
No, and the differences are concrete rather than nominal. Payments are weekly or bi-weekly, not daily. The term runs to 14 months instead of 6 to 9. We take first or second position and never a third. And the payment amount, the number of payments and the total repayment are on the term sheet before you sign. What it does share with an advance is that it is measured against revenue and that it is expensive next to SBA — which we say on this same page.
What does it cost?
Pricing depends on deposits, position and term, and it is quoted as a payment amount and a total repayment rather than an annual rate. Ask for that exact number in writing before you decide anything. If someone quotes a product like this at a single-digit “rate”, they are comparing different things.
Can I have other financing at the same time?
A term loan, a line of credit or a floorplan facility sit alongside this without difficulty — they are disclosed and go into the analysis. What we do not do is come in behind two open advances, or sit quietly while a new one is opened on top of ours.
Can it consolidate what I already have?
It is evaluated. If you are carrying expensive positions and your deposits support one longer structure, that is exactly the conversation. If the goal is to get out of advances without taking new capital, the MCA refinance page is the right starting point.
How fast is it?
With six months of statements in hand, a decision usually takes one to three business days and funding follows shortly after. Speed is the product's reason to exist; it is also the reason it costs more.
If the deposits are there, the rest is short.
Six months of statements say nearly all of it. Start the file or book a call — and if SBA serves you better, we will say so on that same call.
Revenue-based financing is short-term capital and it costs more than a term loan or an SBA-backed loan. Amounts, terms, positions and pricing are indicative, are determined file by file, and are superseded by the executed documents. A personal guaranty is required from every owner at 20% or more. Qualified Commercial does not guarantee approval, funding, amount, pricing or timeline, and does not provide financial, accounting or legal advice.