Revenue-Based Financing for Retail & Ecommerce
December brings 40% of annual revenue. January drops 60%. Revenue-based financing ties payments to your actual sales, automatically adjusting to the natural seasonal variation in retail cash flow. Busy months pay more. Slow months pay less.
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Perfect for Retail Seasonal Patterns
Revenue-based financing calculates payments as a percentage of your deposits. Since retail sales follow predictable seasonal patterns, payments automatically match your actual cash flow.
Seasonal Match
A 10% revenue share on $150,000 December sales means $15,000 payment. That same 10% on $60,000 January sales means only $6,000. Built-in flexibility.
Holiday Protection
Post-holiday slump is universal in retail. Fixed payments ignore this. Revenue-based drops automatically with sales.
Card Processing Alignment
Payments based on actual deposits. Card processing timing variations automatically accommodated.
Automatic Adjustment
No negotiation or modification requests. The structure adjusts based on actual bank deposits automatically.
Why Fixed Payments Create Stress
Retail seasonal variation is reality. Financing should acknowledge this.
Fixed Payments vs. Seasonal Sales
A $10,000 monthly payment is comfortable in December but crushing in January.
Post-Holiday Slump
January-February sales drop 50-70%. Fixed payments continue regardless.
Seasonal Concentration
30-50% of annual sales in Q4 creates significant variation. Fixed payments ignore this.
Weather and Events
Weather, events, and external factors affect retail sales. Fixed payments do not adjust.
Cash Flow Strain
Fixed payments during slow periods strain operations and inventory investment.
Growth Variation
Expanding retail creates sales variation. Revenue-based captures upside while protecting downside.
Revenue-Based Financing Process
Get approved with payments that automatically match your sales flow.
Application
Complete application with business information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing sales patterns.
Upload documents
Evaluation
We analyze sales patterns and deposits to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited.
1-2 days
Payments That Match Retail Reality
Revenue-based financing ties payments to actual sales. Holiday season pays more when you have the cash. Post-holiday slump adjusts automatically. Natural alignment with retail operations.
Sales Automatic Flex
Payments follow actual sales. Slow month means proportionally smaller payment.
Seasonal Protection
January sales down 60%? Payments drop 60% automatically.
Fast Access
Most applications receive decisions within 24-72 hours.
Holiday Alignment
Strong holiday sales enable comfortable accelerated repayment.
No Negotiation
Payments adjust automatically. No modification requests.
Growth Alignment
Growing sales mean comfortable payment growth.
Revenue-Based for Retail
Common applications where sales-aligned payments work well.
Inventory Investment
Finance inventory with payments that track your sales flow.
Typical funding: $50K-$250K
Marketing Campaign
Fund marketing. Pay more as campaign-driven sales increase.
Typical funding: $25K-$100K
Seasonal Stock
Holiday inventory with payments aligned to holiday sales.
Typical funding: $50K-$200K
Store Improvement
Renovations paid back through enhanced sales.
Typical funding: $40K-$150K
New Channel
Launch marketplace or channel with flexible repayment.
Typical funding: $30K-$100K
Equipment
POS and fixtures with payment flexibility.
Typical funding: $20K-$75K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | Bank Loan |
|---|---|---|---|
| Payment Structure | % of sales | Fixed monthly | Fixed monthly |
| Seasonal Adjustment | Automatic | None | None |
| Slow Period Adjustment | Automatic | None | None |
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Sales Value | Primary factor | Considered | Minor factor |
| Total Cost | Known factor | Known APR | Known APR |
| Best For | Seasonal retail | Budget certainty | Lowest cost |
| Documentation | Bank statements | More extensive | Extensive |
Revenue-Based Requirements
What qualifies retail businesses for revenue-based financing.
Sales History
Consistent sales through bank deposits from customers.
$25,000+ monthly
Business History
Established retail operation with proven sales.
1+ year preferred
Sales Patterns
Regular deposits showing operational consistency.
Consistent patterns
Card Processing
Significant card processing volume for most retail.
Card sales heavy
Active Operations
Currently operating business with customer flow.
Active sales
Positive Trajectory
Stable or growing sales pattern.
Positive direction
Revenue-based financing emphasizes sales patterns over credit scores. Seasonal variation is expected and structured for.
Real Results
Lakeside Gift Shop
Gift Retail, Michigan
The Challenge
Lakeside had extreme seasonality: $120,000 monthly in summer tourist season, $25,000 in winter. Fixed $8,000 payments were comfortable in summer but impossible in winter.
The Solution
Revenue-based financing for $75,000 at 10% of deposits. Summer months paid $12,000. Winter months dropped to $2,500 automatically.
The Result
Financing repaid primarily during strong summer months. Winter cash flow stress eliminated. Business expanded tourist inventory knowing payments would flex.
“Winter months with fixed payments were terrifying. Revenue-based means February payments drop with February sales. Finally financing that understands seasonal retail.”
Retail Revenue Data
Understanding retail sales patterns.
Why Retailers Choose Revenue-Based
Benefits of sales-aligned payment structures.
Seasonal Automatic
No payment adjustment requests. Slow months drop automatically.
Post-Holiday Relief
January payments drop with January sales.
Holiday Alignment
Pay more during strong holiday months when cash is available.
Growth Alignment
Growing sales mean comfortable payment growth.
Fast Access
Quick approval for inventory and marketing needs.
Simple Process
Bank statements demonstrate sales patterns.