Fixed repayments do not reflect how real businesses operate. Revenue-based finance adjusts repayment to your actual sales volume, so capital always works with your cash flow, never against it.
£25K-£2M · 3-18 Months (variable based on revenue) · soft search only
Revenue-based finance (RBF) is one of the most founder-friendly forms of business capital. Instead of fixed monthly repayments that stay the same whether you are 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 quieter periods, your payments naturally decrease. This elastic structure means you never face the pressure of making a fixed payment that is 40% of your revenue during an off month.
At Granton Hale Capital, we have made RBF a cornerstone of our offering because it aligns our interests with yours, we succeed when your business succeeds. There is no equity dilution, no board seats, and no charge over your home. 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 trading. Personal credit is a factor but not a dealbreaker, we have funded businesses whose owners had significant past credit issues 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.
Amount £25K-£2M · Term 3-18 Months (variable based on 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 took £2K that day.
Unlike venture capital or angel investment, RBF does not require you to give up ownership, board seats, or decision-making power. You maintain full control of your company.
Revenue-based finance is primarily underwritten on business revenue, not personal credit. Owners with an imperfect credit history can qualify if the business generates consistent monthly revenue of £15K or more.
No lengthy business plans, financial projections, or asset valuations. We need 3 months of bank statements, a one-page application, and photo ID. That is it.
A fixed £8K monthly payment is comfortable when you are turning over £80K but devastating when January drops to £30K. Revenue-based finance prevents this mismatch by linking repayment to actual performance.
Raising equity to fund growth means giving away ownership that could be worth millions later. A business generating £1M annually should not have to sell 15% of the company to fund a £200K marketing push.
A personal credit blip from years ago dented your file, but your business takes £50K a month with zero missed obligations. Banks see the score and say no. We see the revenue and say yes.
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.
An outdoor gear brand takes £300K in RBF to fund stock and advertising for the summer season. During peak months (May-August), higher sales accelerate repayment. During the quiet winter months, reduced revenue means smaller payments.
A popular restaurant takes £120K in RBF to refurbish their terrace and add 30 covers. Repayment is 8% of daily card takings, high on Friday and Saturday, minimal on Tuesday. The expansion pays for itself through incremental revenue.
A B2B SaaS company with £80K MRR takes £500K in RBF to hire 3 salespeople and fund a product launch. Revenue grows to £130K MRR within 6 months, accelerating repayment and validating the investment without giving up any equity.
A wedding and events company takes £100K in RBF in January to book venues, purchase decor stock, and hire seasonal staff for a May-October season that generates £600K in total revenue.
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.
While structurally similar, both involve a purchase of future receivables, revenue-based finance from Granton Hale Capital offers more transparent pricing, longer terms, and lower effective costs than typical merchant cash advances. We also provide revenue-based repayment that adjusts daily, whereas some advances 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.
Typically between 5% and 15% of daily or weekly revenue, depending on the funding amount, your monthly revenue, and the agreed repayment period. We structure the percentage so that repayment never exceeds a manageable portion of your cash flow. The exact percentage is agreed before you sign and does not change.
The repayment period depends on your revenue volume. Because payments flex with sales, there is an estimated repayment timeline (typically 3-18 months) but the actual duration adjusts. If revenue exceeds projections, you will repay faster. If revenue dips, repayment stretches out. You agree a total repayment amount upfront, the timeline is what flexes.
Seasonal businesses are actually ideal candidates for revenue-based finance. 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 leisure, events, retail, and agriculture-related businesses.
Yes. Revenue-based repayment typically requires either a daily Direct Debit from your business bank account (calculated as a percentage of recent deposits) or integration with your card payment processor (for card-based businesses). This is how the flexible payment mechanism works, it reads your actual revenue to calculate each payment.
Technically, most RBF structures are set up as a purchase of future receivables rather than a loan, which means they do not appear as traditional debt on your balance sheet. However, you do have an obligation to repay a fixed total amount. It is important to understand the total cost of capital and factor it into your financial planning just as you would any other obligation.
30-second application. No hard search. Decisions in as little as 3 hours.