What is revenue-based financing?
Revenue-based financing is capital you repay as a percentage of your incoming revenue rather than a fixed monthly payment. When sales are strong, you pay more and finish faster; when sales dip, the payment shrinks with them. It's built for businesses with solid revenue but thin credit files or seasonal swings: the kind banks often turn away. The catch is cost: flexibility is priced in, and choosing this product blindly can mean paying far more than you need to. Quordx Capital matches you with lenders across the full spectrum, so you see revenue-based offers next to cheaper alternatives before you commit.
This page is one option inside our broader guide to Alternative Financing. See how it stacks up against the other alternative-funding tools we track.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Revenue-Based Financing Actually Works
A funder advances you a lump sum, and you repay it through a fixed percentage of your revenue, typically collected daily or weekly from your bank account or card sales, until you've paid back the agreed total. The most common version brokered for small businesses is the merchant cash advance: advances run $5K-$500K, priced with a factor rate instead of an interest rate.
Qualification leans on revenue, not credit. Typical minimums: 3-6 months in business, roughly $10K+ in monthly revenue, and credit scores starting around 500-550. Decisions are fast, often 24-48 hours, because lenders underwrite from your bank statements.
Revenue-Based Options Quordx Capital Can Match You To
Merchant cash advance ($5K-$500K): Best for fast capital when credit is challenged and revenue is steady. It's a purchase of future receivables, not a loan, and it's expensive, so it should serve a short-term, high-return purpose.
Working capital loan ($5K-$500K): Best for operational expenses when you want a defined payoff instead of an open-ended revenue split.
Business line of credit ($10K-$250K+): Best for revenue businesses that want flexibility without paying a factor rate: you pay interest only on what you draw.
A/R financing / invoice factoring: Best if you invoice other businesses; advance 70-90% of invoice value based largely on your clients' creditworthiness.
How Quordx Capital Works
You complete one application in about 5 minutes and upload your documents, usually 3-6 months of bank statements, your most recent business tax return, and ID. Quordx Capital's matching process reads your profile and pinpoints 3-7 best-fit lenders from a network of 50+, ranked by approval probability. Most decisions come back within 24-48 hours, and funding typically arrives in 3-7 business days: some revenue-based products in 1-3.
What to Expect
Expect honesty about cost. Revenue-based financing approves borrowers other products won't, but factor rates are real money, and Quordx Capital will tell you if a cheaper product fits, even declining to submit if nothing does. There are no fees to you, ever: no application fee, no broker fee, no obligation to accept any offer. Asking costs you nothing but five minutes.
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No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
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