Running a business requires constant access to working capital to cover daily expenses, hire staff, or seize new opportunities. But when cash is tight, especially for small businesses with bad credit or urgent needs, traditional loans may not be an option. 

That’s where revenue-based financing (RBF) can help. 

What Is Revenue-Based Financing? 

Revenue-Based Financing isn’t a loan — it’s a purchase of future credit card sales. In exchange for a lump sum of capital upfront, you agree to repay the funder through a percentage of your daily or weekly sales. 

Why This Matters: 

  • 📉 Sales slow? You pay less. 
  • 📈 Sales grow? Repayment adjusts automatically. 
  • 🔁 Repayment is tied to your business’s actual performance. 

 

This structure makes RBFs ideal for businesses with fluctuating revenue, such as retail shops, restaurants, and seasonal services. 

Can I Get Revenue-Based Financing With Bad Credit? 

Yes, and that’s one of the biggest advantages. 

Unlike bank loans that require high credit scores and long histories, Revenue Based Financing focuses on your business performance, not just your credit. 

  • Low credit score? You may still qualify. 
  • No collateral? That’s okay. 
  • Short time in business? Still possible. 

 

At CFG Merchant Solutions, we help small businesses access capital even if they’ve been denied by traditional lenders. 

Will a Cash Advance Affect My Credit? 

No. Revenue Based Financing is a commercial transaction, not a loan. 

That means: 

  • It doesn’t appear on personal or business credit reports 
  • There’s no personal guarantee or collateral required 
  • Your business keeps control of its assets 

This gives you greater flexibility and peace of mind while preserving your credit. 

How Fast Can I Get Funded? 

Traditional bank loans can take weeks or even months — but RBF can fund within 24–72 hours. 

RBF Process: 

  1. 📝 Simple online application 
  1. 📊 Revenue review — not heavy paperwork 
  1. 💸 Receive funds — sometimes the same week 
  1. 🔁 Repay automatically through future sales 

 

Speed matters in business, and Revenue-Based Financing delivers when it counts. 

When Should I Use Revenue-Based Financing? 

Revenue financing is perfect when you need fast, flexible funding to keep your operations moving. Here are some real-world examples: 

  • 🧰 Buy new equipment to increase productivity 
  • 👷 Hire and train new staff ahead of busy seasons 
  • 🛍Stock up on inventory for holiday or seasonal demand 
  • 📢 Launch a marketing campaign or rebrand 
  • 🏗Expand your location or add a new service 

 

If your business has hit a plateau, short-term funding can provide the push you need to grow. 

Why Choose CFG Merchant Solutions for Small Business Financing? 

We make small business funding simple, fast, and personalized: 

  • 💼 Direct funder — no brokers or middlemen 
  • 💡 Flexible terms and repayment options 
  • 🚀 Fast approvals and funding — often in under 48 hours 
  • High approval rates — even for less-than-perfect credit 

 

Whether you’re navigating a slowdown or planning for expansion, CFG Merchant Solutions has small business lending options built for you. 

Get the Capital You Need, Without the Wait 

If your business needs working capital now, don’t wait on a bank. Revenue Based Financing from CFG Merchant Solutions can provide the funds you need, fast and with less red tape. 

👉 Apply online now, it only takes a few minutes 
📞 Contact us to speak with a small business funding specialist 

FAQs: Revenue-Based Financing for Small Business 

Q: Is Revenue-Based Financing a loan? 
A: No, it’s a purchase of your future credit card sales, not a loan, and not reported to credit bureaus. 

Q: Can I get approved with bad credit? 
A: Yes. We prioritize your revenue and business performance over your credit score. 

Q: How fast can I get funds? 
A: Most businesses receive funding within 24–72 hours of approval. 

Q: How do repayments work? 
A: A small, agreed-upon percentage is automatically deducted from your daily or weekly card sales.