This document discusses revenue-based financing or cash flow financing as an alternative source of business financing for companies that may not qualify for traditional bank loans. Revenue-based financing uses a company's current and future revenue as collateral rather than physical assets. Investors provide capital in exchange for a percentage of the company's ongoing gross revenues until the initial capital plus a multiple is repaid. The document outlines the requirements, terms, approval process and potential uses of revenue-based financing. Key aspects include analyzing bank statements for consistent deposits and cash flow, repayment terms of 6-18 months where payments are deducted daily from revenues, and approval times of 24-48 hours.
Learn more about small business loans, cash access problems,cash flow loans, unsecured financing, collateral-based financing and how to get approved for business financing.
Learn more about small business loans, cash access problems,cash flow loans, unsecured financing, collateral-based financing and how to get approved for business financing.
The five step guide to financing recruitment business growthOutsauce
Make the most informed decisions on your journey to business growth.
Find out:
How to prepare for success
The pros and cons of every funding option
The unique benefits of factoring and invoice discounting
The power of corporate finance
Tips to take it to the next level - including acquiring another business and selling your agency
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On Thurs May 31st Lighter Capital, Carney Badley Spellman, and Actively Learn hosted the inaugural Lighter Capital Live session. This session covered the basics of revenue-based financing and then we had an active partner and client share their perspective of this financing model. More information on Lighter Capital can be found at www.lightercapital.com.
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
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Creative financing solutions - Money Forum 2015FundThrough
Obtaining financing can be tough for Canadian Entrepreneurs, discover some of the alternative financing options for small businesses.
Evaluate the pros and cons of the four different financing options: personal loans, accounts receivable financing, merchant cash advances and leasing.
Apply for Accounts Receivable financing at http://bit.ly/financingsolutions
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What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
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The five step guide to financing recruitment business growthOutsauce
Make the most informed decisions on your journey to business growth.
Find out:
How to prepare for success
The pros and cons of every funding option
The unique benefits of factoring and invoice discounting
The power of corporate finance
Tips to take it to the next level - including acquiring another business and selling your agency
Lighter Capital Live: Revenue-Based Financing (Session #1)Lighter Capital
On Thurs May 31st Lighter Capital, Carney Badley Spellman, and Actively Learn hosted the inaugural Lighter Capital Live session. This session covered the basics of revenue-based financing and then we had an active partner and client share their perspective of this financing model. More information on Lighter Capital can be found at www.lightercapital.com.
Small business loans you can qualify for with bad credit scoreMerchant Advisors
Business loans can be challenging to secure if you have bad credit. Here are a few financing options to get small business loans with bad credit. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-bad-credit/
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Lighter Capital and Early Growth Financial Services (EGFS) hosted a joint webinar on Thursday May 3, 2018.
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Creative financing solutions - Money Forum 2015FundThrough
Obtaining financing can be tough for Canadian Entrepreneurs, discover some of the alternative financing options for small businesses.
Evaluate the pros and cons of the four different financing options: personal loans, accounts receivable financing, merchant cash advances and leasing.
Apply for Accounts Receivable financing at http://bit.ly/financingsolutions
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What's important for your next phase of growth? New key hires? Product development? Or marketing and sales initiative? Learn about the financing structure of Lighter Capital- an active capital provider for Salesforce ISV's.
In this exclusive webinar hosted for Salesforce ISV's, we will walk through:
1. What's revenue-based financing and how it works
2. Three case studies of our Salesforce ISV's clients
3. Q&A
It’s nothing new. Real estate investing has been around for thousands of years.
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Credit is a powerful tool. It can either make or break your business, depending on how you use it. This presentation will give you actionable recommendations so you can utilize credit to grow your business to new heights.
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Ratio Analysis and Business Performance – Why Should I Care – Part 2?McKonly & Asbury, LLP
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This webinar is a continuation of the first webinar hosted on May 30, 2019. This webinar focuses on debt covenant and leverage ratios most used and reviewed by banks and other lending institutions. The webinar also focuses on how banks and lending institutions view these ratios and how to best prepare and present your business for compliance with these ratios.
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Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
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Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s Dholera
Decoding Cash Flow Financing…
1. Decoding Cash Flow Financing…
How to Really Get Fast & Easy Business
Financing Even With Bad Credit
2. Revenue Based Financing
• From Wikipedia:
• “Revenue based financing or royalty based financing (RBF) is a
type of financial capital provided to small or growing businesses in
which investors inject capital into a business in return for a
percentage of ongoing gross revenues.
• Usually the returns to the investor continue until the initial capital
amount, plus a multiple (also known as a cap) is repaid”
3. • RBF is often described as sitting between a bank loan, typically requiring
collateral or significant assets, and angel investment or venture capital,
which involve selling an equity portion of the business in exchange for the
investment.
• In an RBF investment, investors do not take an upfront ownership stake in
the business
• With this type of financing you are basically selling your future revenue for a
fee (a discount)
Revenue Based Financing
4. Revenue Based Financing Names
• Revenue based financing goes by man names:
• RBF, revenue based funding, revenue based loans
• Revenue Financing
• Cash flow financing, cash flow based financing, cash flow
loans
• Bank statements loans
• ACH financing
• Royalties based financing
5. Revenue Based Financing Advertisements
• “Cash Flow Financing… Do You Have 10K p/mo Gross Sales? Quick &
Easy”
• “Cash Flow Finance… Fast & Simple Online Application Need $150K+ in
Sales, Profitable”
• “How to get business financing when banks turn you down”
• “Bad credit business loans… 24 Hour Approval. No Startups
Great Rates. Up to $500K Quick!”
• “Fast small business loans… 24Hr Approvals. Online Application.
Min $10K/Mo in Sales to Qualify!”
6. Revenue Based Financing
• Although for many small businesses this is a new concept,
this has actually been used for many years in industries to
finance the high upfront costs required in their industries
• Hollywood filmmakers
• Oil drilling outfits
• Pharmaceutical companies
7. Terms
• Revenue financing has always been popular for big industries with
loads of revenue coming in
• With these types of transactions it’s not uncommon to see 3-5 year
terms
• But recently this type of financing has really ramped up for smaller
businesses that aren’t earning millions-of-dollars
• So the new more common terms are 6-18 months
8. Revenue Financing
• Revenue financing is NOT a loan, it’s an advance off of your
revenue
• It’s very similar to a cash advance in the consumer world
where...
• Your current pay is analyzed…
• You then are lent money based on the stability and
amount of your pay…
• Then you have a short time to pay back what has
been borrowed
9. Revenue Financing Document Requirements
• With revenue financing the lender will look at two main forms of
documentation:
• Your bank statements
• Your merchant statements, if you have a merchant account
• A driver’s license is usually required
• Rent, lease, or ownership information for the property is also verified
• You can qualify even if you have a home-based business
10. Revenue Financing Requirements
• Lenders are looking for very specific requirements when qualifying
you.
• The bank statement is analyzed for:
• Consistent deposits, 8-30 per month…
• Lenders do NOT want to see only a few big deposits
• Instead they want to see many smaller deposits, such as a retail store
would have not a real estate agent
11. Revenue Financing Requirements
• Positive ending bank balances are also important
• If you don’t have money left over each month now, lenders know it will
be tough for you to pay them back
• So they are looking for positive cash flow each month
• They want to see that the bank account is managed responsibly, with
little to no NSF charges
• They also don’t want to see a lot of charge-backs which could reflect
unexpected future expenses
12. Revenue Financing Requirements
• Lenders have many restricted or high risk industries
• The finance industry as a whole is restricted
13.
14. Revenue Financing Requirements
• The longer time you have been in business the better your
chances of being approved
• Most lenders require you be in business for 12 months or more
• There are some lenders who will lend you money if you have
been in business for only 6 months
• But in those cases they usually want to see compensating factors
15. Revenue Financing Requirements
• Personal credit is not a big factor of approval, but will tie into the
terms you will pay
• Lenders often approved business owners with scores as low as 500
• Lenders are most concerned with you being in current trouble such as
an immanent bankruptcy or very recent liens and judgments
• If you don’t have those types of issues you can get approved, even
with recent collection accounts and late payments
• This is one of the best types of financing to
secure with credit issues
16. Rates and Terms
• This is not a loan, so there is no standard
interest rate you will pay
• Instead you are selling your future revenue
for a “discount” fee
• For example, you might get a loan for
$100,000
• The lender then might charge a discount of
20%
• Your total payback would be $120,000
17. Payback Terms
• If the lender were to finance the $120,000 over 12 months,
your payback would be $10,000 monthly
• Payments are withdrawn from your bank account DAILY,
usually Monday-Friday
• So you would payback $500 per day, Monday-Friday, until
the total amount is paid back 12 months later
• The $500 is automatically deducted each day,
so in many cases you won’t notice it gone
18. Payback Terms
• You will usually be given choices where you can pay more of
a discount and get a longer term
• Or pay less of a discount and get a longer term
• Each option has a different daily payback amount
• Usually the payback amount is 8-12% of the actual revenue
19. Renewals
• Most lenders charge more money and give you a shorter
term in the beginning until you prove yourself
• Then when 50% of the amount is paid back, they commonly
will renew the advance giving you an even longer term and
lower payback
• For example:
20. Renewals
• You have paid for 6 months of your 12 months current advance
of $120,000, now owing only $60,000
• The lender looks at 2 of your most recent bank statements and
sees that you took the money and invested into your company,
and now your revenues have grown way more than what they
were
• They now lend you another $40,000
• Your term is lengthened from 12 to 18 months
• Your payback discount drops from 20% to only
12%
21. Renewals
• You already used $60,000 of what you borrowed
• Now you still have access to the other $60,000 you had outstanding, and
another $40,000 they just lent you
• $100,000 is renewed at 12%, making your total payback $112,000 on the
second advance
• PLEASE NOTE, this would mean you truly never did have to pay the full
20% you were originally charged
• $112,000 @ 12% for 18 months = $6,222 monthly, or $311 per day
22. Important Notes
• This is basically a very risky cash advance
• The terms will not be great, or anywhere close to a bank loan
• But you can easily get approved for revenue financing even
when there is no way you could qualify with a bank
23. Loan Comparison
• SBA loans require good credit, guidelines state 620 scores
are needed but you can’t have derogatory credit, so you will
really need a 700 + type of credit profile for approval
• With RBF you can get approved with a 500 score and major
derogs.
• With SBA you MUST have collateral to offset the debt
• With RBF no collateral is required
24. Loan Comparison
• With SBA you must supply 2 years of tax return, being in business
2 years or more
• With RBF you only need to be in business 6 months
• SBA loans typically take 6-12 weeks to close
• With RBF you can close in 72 hours
• SBA loans like at your entire business and personal aspects
• With RBF they are mainly looking at cash flow ONLY
25. Loan Comparison
• SBA requires extensive
documentation including:
• Personal and business bank
statements
• Personal and business tax
returns
• Resumes and background checks
• Personal and business financials
• Projected financials
• Business plan
• Good personal, business, and
bank credit
• Balance sheets and P&Ls
• Articles, licenses, leases
• Loan history
• Collateral
27. Loan Amounts
• Loan amounts vary based on the current revenue of the business
• You can usually secure as much as 10-12% of your annual
revenue
• So if you make $500,000 per year in revenue…
• You could secure approximately $50,000
• Most loan amounts won’t exceed $500,000
for most small businesses
• You must have at least $120,000 in annual
revenue to qualify
28. Loan Rates and Fees
• There are no upfront charges with revenue financing
• You will be charged a discount based on risk
• This discount varies wildly based on risk factors
• Rates commonly range from 8-45%
• 20-30% rates are common
• Charges are tax deductible
29. Loan Rates and Fees
• Factors that affect risk include:
• Time in business
• Bank account management
• Positive cash flow
• Industry
• Personal credit score
• If you have past successfully paid advances
30. Loan Rates and Fees
• Remember that TERM in months is more important to
payment than rate in most cases
• Once you prove yourself you will get offers for longer terms
and lower discounts
31.
32. Uses of Funds
• You can usually use the funds for almost any purpose
• But this type of financing doesn’t make sense just to get money
and have it sitting around
• It makes PERFECT sense if you need to re-invest money into your
company for growth:
• Buying a new truck
• Buying a competitor
• Implementing a marketing strategy
• Other ways of using the money that result in company growth
33. Approval Time
• Revenue financing is very easy and very fast to secure
• Due to limited document requirements, you can get your initial approval
within 24 hours
• Once you sign the term-sheet a due-diligence process takes place for 24-
48 hours
• During this process they are looking for potential issues such as:
• Having outstanding advances you didn’t mention
• Signs you are going out of business
• Verification that your renting/owing arrangements are in good standing
34. Approval Time
• If due-diligence is good, you can close once
this period expires
• 24 hours to underwrite initially
• 24-48 hours for typical due-diligence
• 72 hours to get funding
• Expect 7 days in case of unexpected delays
35. Merchant Advances
• Merchant cash advances work very similar to revenue financing
• Loan terms are also commonly 6-18 months
• Discount rates are typically higher, 15-50%
• Credit and document qualifying requirements are very similar
36. Merchant Advances
• With merchant advances, lenders are looking at your credit
card transactions and deposits only
• They will review your bank and merchant statements
• But only your credit card transactions will be lent against,
not other deposits such as checks
• In many cases you will be required to switch merchant
account providers upon approval
37. Merchant Advances
• Renewals also work the same with
merchant advances as they do with
revenue financing
• You can typically be approved for an
advance equivalent to one month’s credit
card processing volume
38. Summary
• Cash flow based financing is perfect for a business owner who is looking for
fast and easy money
• The approval requirements are so lenient that most people can get approved
only with having consistent cash flow
• The initial terms are a little rough, but after 3-6 months you can renew and
get significantly better terms in most cases
• Future renewals are VERY easy and fast to get, usually only requiring 2
month’s bank statements and getting advanced in 48 hours
• Gain a HUGE competitive advantage
39. Decoding Cash Flow Financing…
How to Really Get Fast & Easy Business
Financing Even With Bad Credit
Contact Us Today to Learn More