Revenue-based financing
Capital repaid as a share of monthly revenue rather than a fixed instalment.
Repayment that moves with the business
Revenue-based financing sits between a term loan and a cash advance. You receive capital and repay an agreed multiple by handing over a percentage of monthly revenue until the total is met. Because repayment scales with income, the pressure in a bad month is lower than a fixed loan payment — but the total cost is fixed regardless of how long it takes, so a slow year does not reduce what you owe.
VOXEPAY LLC is not a lender and does not provide financial, legal or tax advice. Funding products are provided by third-party funders under their own terms. Review any agreement carefully, and consider having an accountant or attorney look at it before you sign.
How the setup works for your account
Percentage of monthly revenue
Payments rise and fall with actual performance.
Fixed total repayment
You know the full amount owed at the start; only the timeline varies.
Typically no equity given up
Financing is repaid from revenue rather than by selling a stake.
Suits predictable revenue
Works best where monthly income is reasonably steady and traceable.
Before you commit
Calculate the effective cost
Convert the total repayment into an annualised figure so you can compare it against other options.
Stress-test the percentage
Apply it to your worst three months from last year, not your best.
Read the default terms
Understand what counts as default and what remedies the funder has.
Common questions
An advance is normally repaid from card settlements daily; revenue-based financing is usually calculated on total monthly revenue. Structures vary by funder, so read the specific agreement.
Funders generally want to see consistent revenue over a period of months. Requirements differ.
Sometimes, but many agreements have a fixed total that does not reduce with early repayment. Confirm this before signing.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.