Funding Solutions
Funding That Breathes With Your Revenue
Fixed payments don't reflect how real businesses operate. Revenue-based financing adjusts repayment to your actual sales volume — so capital always works with your cash flow, never against it.
Check Your EligibilityOverview
Revenue-Based Financing
Revenue-based financing (RBF) is one of the most founder-friendly forms of business capital. Instead of fixed monthly payments that stay the same whether you're having your best month or your worst, RBF ties repayment to a small percentage of your daily or weekly revenue. When sales are booming, you pay down faster. During slower periods, your payments naturally decrease. This elastic structure means you never face the pressure of making a fixed payment that's 40% of your revenue during an off month.
At Granton Hale Capital, we've made RBF a cornerstone of our offering because it aligns our interests with yours — we succeed when your business succeeds. There's no equity dilution, no board seats, no personal real estate pledged as collateral. You agree to repay a fixed total amount, and the speed of repayment fluctuates with your revenue. For businesses with seasonal patterns, variable sales cycles, or rapid growth trajectories, this structure is transformative.
We evaluate RBF applications based on your monthly revenue volume and trajectory, bank deposit consistency, and time in business. Personal credit is a factor but not a dealbreaker — we've funded businesses with owners who have credit scores in the mid-500s because the business revenue was strong and consistent. Most RBF applications receive a decision within 6 hours, and funds are typically deposited within 24 hours.
Ideal For
Amount
$25K–$2M
Term
3–18 Months (variable based on revenue)
- E-commerce brands with seasonal sales patterns
- Restaurants and hospitality businesses with variable daily revenue
- Subscription and SaaS businesses with recurring revenue
- Businesses with strong revenue but imperfect owner credit
- Companies that want non-dilutive growth capital
- Any business where revenue fluctuates month to month
Why Choose This Product
Key Benefits
Payments Flex With Revenue
Repayment is a fixed percentage of daily or weekly sales. A $10K revenue day means a larger payment; a $3K day means a smaller one. You never face a fixed $5K payment when you only made $2K that day.
No Equity Dilution
Unlike venture capital or angel investment, RBF doesn't require you to give up ownership, board seats, or decision-making power. You maintain full control of your company.
Credit-Flexible Qualification
Revenue-based financing is primarily underwritten on business revenue, not personal credit. Owners with credit scores as low as 550 can qualify if the business generates consistent monthly revenue of $15K or more.
Fast and Simple Process
No extensive business plans, financial projections, or collateral appraisals. We need 3 months of bank statements, a one-page application, and a government-issued ID. That's it.
The Challenge
Problems This Solves
Fixed Payments During Low-Revenue Months
A fixed $8K monthly payment is comfortable when you're doing $80K in revenue but devastating when January drops to $30K. Revenue-based financing prevents this mismatch by linking repayment to actual performance.
Equity Dilution for Growth Capital
Raising equity to fund growth means giving away ownership that could be worth millions later. A business generating $1M annually shouldn't have to sell 15% of the company to fund a $200K marketing push.
Credit History Doesn't Reflect Business Health
A medical bill from 2019 tanked your personal credit, but your business does $50K/month in revenue with zero missed obligations. Banks see the FICO score and say no. We see the revenue and say yes.
Unpredictable Sales Make Fixed Debt Risky
Businesses with variable revenue — event companies, tourism operators, seasonal retailers — face genuine risk with fixed-payment debt. One bad month can create a cascade of missed payments and penalties.
Use Cases
How Businesses Use This Funding
Seasonal E-Commerce Scaling
An outdoor gear brand takes $300K in RBF to fund inventory and advertising for summer season. During peak months (May–August), higher sales accelerate repayment. During slow winter months, reduced revenue means smaller payments.
Restaurant Renovation Without Cash Drain
A popular restaurant takes $120K in RBF to renovate their patio and add 30 seats. Repayment is 8% of daily card sales — high on Friday and Saturday, minimal on Tuesday. The expansion pays for itself through incremental revenue.
SaaS Growth Funding Without Dilution
A B2B SaaS company with $80K MRR takes $500K in RBF to hire 3 sales reps and fund a product launch. Revenue grows to $130K MRR within 6 months, accelerating repayment and validating the investment without giving up any equity.
Event Company Pre-Season Investment
A wedding and event company takes $100K in RBF in January to book venues, purchase decor inventory, and hire seasonal staff for a May–October season that generates $600K in total revenue.
Food Truck Fleet Expansion
A food truck operator with one profitable truck takes $75K in RBF to build out a second truck and hire a crew. Revenue from both trucks services the repayment, with higher payments during festival and event season.
FAQ
Frequently Asked Questions
How is revenue-based financing different from a merchant cash advance?
While structurally similar — both involve a purchase of future receivables — revenue-based financing from Granton Hale Capital offers more transparent pricing, longer terms, and lower effective costs than typical MCAs. We also provide revenue-based repayment that adjusts daily, whereas some MCAs use fixed daily debits regardless of actual sales. The key difference is in how we partner with your business versus simply purchasing receivables at a steep discount.
What percentage of my revenue goes toward repayment?
Typically between 5% and 15% of daily or weekly revenue, depending on the funding amount, your monthly revenue, and the agreed-upon repayment period. We structure the percentage so that repayment never exceeds a manageable portion of your cash flow. The exact percentage is agreed upon before you sign and doesn't change.
How long does it take to repay?
The repayment period depends on your revenue volume. Because payments flex with sales, there's an estimated repayment timeline (typically 3–18 months) but the actual duration adjusts. If revenue exceeds projections, you'll repay faster. If revenue dips, repayment stretches out. You agree to a total repayment amount upfront — the timeline is what flexes.
Can I get RBF if my business is seasonal?
Seasonal businesses are actually ideal candidates for revenue-based financing. The flexible payment structure was designed for exactly this scenario — you pay more during your busy season when cash is flowing and less during your off-season. We see strong demand from tourism, outdoor recreation, event, retail, and agriculture-related businesses.
Do you require access to my bank account or POS system?
Yes. Revenue-based repayment typically requires either a daily ACH debit from your business bank account (calculated as a percentage of recent deposits) or integration with your payment processor (for card-based businesses). This is how the flexible payment mechanism works — it reads your actual revenue to calculate each payment.
Is revenue-based financing considered debt?
Technically, most RBF structures are structured as a purchase of future receivables rather than a loan, which means they don't appear as traditional debt on your balance sheet. However, you do have an obligation to repay a fixed total amount. It's important to understand the total cost of capital and factor it into your financial planning just as you would any other obligation.
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30-second application. No hard credit pull. Decisions in as little as 3 hours.