Revenue-based financing and merchant cash advances
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Funding repaid as a share of your sales, so payments flex with slow weeks.
See my optionsKey takeaways
- Payments rise and fall with your sales.
- Priced with a factor rate, not an interest rate.
- Fast to get, but one of the costlier options.
How revenue-based financing works
A revenue advance gives you cash now in exchange for a fixed percentage of future receipts. Fora describes variable terms that accommodate lower cash flow periods.
It is fast and flexible but usually one of the more expensive options. Use our MCA cost calculator to see the real cost before you sign.
Published terms for revenue-based financing
| Lender | What they offer | Speed | Published minimums | Source |
|---|---|---|---|---|
| Fora Financial | Revenue advance up to $1.5M, paid as a fixed share of daily or weekly receipts | Cash in as little as 24 hours from acceptance | Growth potential counts for more than credit | Fora Financial website |
| 1West | Cash-flow-based working capital with no collateral | Offers within about a day | Six months operating and $15K in monthly revenue | 1West website |
Checked Oct 23 2026. Lender terms change often.
When revenue-based funding fits
It fits businesses with strong, steady card or deposit volume that need money fast and can live with a higher cost. Always run the offer through our MCA cost calculator before you sign.
Talk it through
Have an offer in hand? Check the real cost in our calculator, then ask Guru for alternatives.
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