Revenue-Based Financing · Manhattan-Based, Nationwide
Revenue-Based Financing for Established Businesses
Access $5,000 to $500,000 reviewed around your sales and deposit performance — without giving up equity, board seats, or ownership control. Manhattan-based, working with businesses nationwide.
- ✓Reviewed on revenue, cash flow, and business performance
- ✓No equity dilution and no ownership stake required
- ✓Structure, cost, and remittance explained before you commit
Business-purpose financing only. All funding is subject to application, underwriting review, approval, and program availability. Submitting a request does not guarantee approval or funding.
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Checking your options takes about two minutes. An advisor reviews your request and explains what is available.
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Figures describe the profile BizPoint Capital is generally best suited for. They are guidelines for review, not approval criteria or a funding offer.
The Basics
What Is Revenue-Based Financing?
Revenue-based financing is commercial funding where eligibility and the amount available are reviewed primarily around business revenue, deposit history, and trading performance, rather than around collateral and multi-year tax returns. For an established business with steady sales but limited assets to pledge, that shift in emphasis is often the difference between having options and not having any.
It is not equity investment. You are not selling a share of the company, giving up a board seat, or handing over control of decisions. It is also not a personal loan, a grant, or startup capital. Your BizPoint Capital advisor will explain the specific structure, cost, and remittance schedule your business qualifies for before anything is agreed.
Fit
When Revenue-Based Funding Makes Sense
It tends to suit businesses with real sales activity and a specific commercial reason to move now.
Why Owners Choose It
Capital Without Giving Up Ownership
Performance-Led Review
Sales history, deposit consistency, and trading performance carry real weight in how your request is assessed.
Ownership Preserved
No equity, no board seats, no dilution. You keep full control of the business you built.
Lighter Documentation
Recent business bank statements typically do the heavy lifting instead of a full bank documentation package.
Comparison
Revenue-Based Financing vs Traditional Bank Financing
A general comparison of how the two approaches differ. Individual terms depend on the lender, the product, and underwriting review.
| Feature | Revenue-Based Financing | Traditional Bank Financing |
|---|---|---|
| Review focus | Revenue, deposit history, and trading performance | Credit, collateral, tax returns, and fixed underwriting criteria |
| Documentation | Commonly recent business bank statements and business ID | Tax returns, financial statements, business plans |
| Typical process length | Generally shorter, though timing depends on documentation and underwriting | Often measured in weeks or months |
| Ownership impact | No equity dilution | No equity dilution, but stricter qualification requirements |
| Best suited to | Operating businesses with consistent sales and limited pledgeable assets | Businesses with strong collateral and a long filed financial history |
Do I Qualify?
Who Revenue-Based Funding Is Best For
BizPoint Capital works with established businesses that have consistent revenue and a clear commercial use for the funds.
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$150,000+ Annual Revenue
Consistent gross revenue running through a business account.
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Ideally 9+ Months Operating
Enough trading history for sales patterns to be assessed.
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Business Checking Account
Deposit activity is central to how a revenue-based review works.
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Business-Purpose Use
Commercial use only — not personal, family, or household purposes.
Review Your Options
Submit your request and an advisor can review what is available based on your business profile. No obligation to proceed.
Start My Funding Review
Human-First Financing
A Hands-On Approach to Revenue-Based Financing
Revenue-based structures vary more than most business owners expect, and the details matter — how remittance is calculated, what happens in a slow month, what the total cost of capital actually works out to. Those are the questions a portal will not answer for you.
A BizPoint Capital advisor goes through them directly. If a straightforward working capital structure is a better fit for your situation, you will be told that instead.
Funding Review Questions
Revenue-Based Financing FAQ
What is revenue-based financing?
It is commercial funding where the amount available is reviewed primarily around business revenue, deposit history, and trading performance rather than around collateral and long-form financial documentation.
Does BizPoint Capital take equity in my business?
No. Revenue-based financing is designed to give businesses access to capital without giving up ownership, equity, or board representation.
How is repayment or remittance structured?
Structure varies by product and by the business. Your advisor will explain the exact remittance schedule, frequency, total cost, and term that apply to any option presented to you before you agree to anything. Do not accept a structure you have not had explained in full.
Does BizPoint Capital fund startups?
No. BizPoint Capital is best suited to established operating businesses, generally with $150,000 or more in annual revenue and ideally nine or more months in business. We do not provide startup seed capital, grants, or investor matching.
What is reviewed as part of the process?
Typically revenue and deposit history, time in business, the amount requested, use of funds, existing business obligations, and business credit history. Recent business bank statements are the most commonly requested document.
How fast can revenue-based funding be reviewed?
Reviews generally move faster than a traditional bank process, but actual timing depends on eligibility, documentation, underwriting, and program availability. BizPoint Capital does not guarantee a funding timeline.
Ready to Review Revenue-Based Funding Options?
Submit your request and discuss available business funding options with a BizPoint Capital advisor.
For established U.S. businesses with consistent revenue. Business-purpose financing only. Approval is not guaranteed.
Start My Funding Review