Revenue Based Financing — Repay When You Earn

What Is Revenue Based Financing?

Revenue based financing (RBF) is a form of business funding where repayment is tied directly to your revenue. Instead of fixed monthly payments, you repay a set percentage of your daily or weekly gross revenue until the total amount owed is paid back. When sales are high, you pay back more. When sales slow down, your payment decreases automatically.

This model makes revenue based financing one of the most business-friendly forms of capital available. You never have to worry about making a payment during a slow week — your obligation is always proportional to what you actually earned.

How Revenue Based Financing Works at VACA Funding

Apply online in 2 minutes with basic business information. Submit 3 months of business bank statements. Receive a same-day offer detailing your advance amount and revenue share percentage. Sign and receive funding in 24 hours. Repay automatically as a small daily or weekly percentage of gross revenue until the balance is cleared.

Revenue Based Financing vs. Traditional Loans

Traditional business loans require fixed monthly payments regardless of whether your business had a good month or a bad one. A slow season or unexpected downturn can make these payments impossible to meet, leading to defaults and damaged credit. Revenue based financing removes this pressure entirely. Your payment is always a reflection of your actual business performance — never a number that ignores your reality.

Who Is Revenue Based Financing Best For?

RBF works best for businesses with variable or seasonal revenue such as restaurants, retail stores, construction contractors, and service businesses. It is also ideal for businesses that have been declined for traditional loans due to credit issues, limited time in business, or inconsistent monthly revenue. If you process credit card transactions or have consistent ACH deposits, you are likely a strong candidate for revenue based financing.

Revenue Based Financing Amounts

VACA Funding provides revenue based financing from $5,000 to $2,000,000. Your approved amount is based on your average monthly revenue. Most businesses qualify for 50–150% of their monthly average deposits.