REVENUE-BASED FINANCING · MERCHANT CASH ADVANCE
Also known as a merchant cash advance. You receive capital up front in exchange for a set portion of your future sales — so what you send back rises and falls with the business instead of sitting on you as a fixed bill.
WHAT IT IS
Revenue-based financing, commonly called a merchant cash advance, is not a loan. It is the purchase of a set amount of your future receivables at a discount. You receive a lump sum today, and in exchange a fixed percentage of your sales is remitted until the purchased amount is delivered.
Because that distinction is legal and not cosmetic, the vocabulary is different too. There is no interest rate and no APR — the cost is expressed as a factor rate, and the total is set at the start. There is no fixed monthly payment either. Remittance is a share of what you actually take in, so a slower week sends less and a strong week sends more.
That structure is why it reaches businesses conventional credit does not. Approval leans on your sales history rather than your credit score or collateral, which suits seasonal revenue, thin credit files, or businesses that simply need capital faster than a bank can move.
Contact Capital Group is a funding consultancy, not a lender or a funder. We take your file to our network, compare what is offered against your numbers, and explain the real cost before you sign anything.
HOW IT WORKS
01
Ten minutes, three bank statements, and a soft credit pull that never touches your score.
02
Your deposits set the size of the advance. We compare what funders offer and show you the factor rate and total cost in plain numbers.
03
Choose the offer, sign, and the advance lands in your account within 24–48 hours. Remittance begins against your sales.
BEST USES
THE NUMBERS
| Structure | Purchase of future receivables — not a loan |
|---|---|
| Funding amount | Sized to your monthly revenue |
| Cost expressed as | Factor rate, not an interest rate or APR |
| Remittance | A set percentage of sales, daily or weekly |
| Time to fund | 24–48 hours after approval |
| Credit check | Soft pull to qualify — no score impact |
| Documents | Three recent business bank statements |
Advance amount, factor rate and remittance percentage depend on your revenue, time in business and bank history. Pre-qualifying is free and carries no obligation. Revenue-based financing is generally more expensive than conventional credit — if you qualify for a term loan or a line, we will tell you.
STRAIGHT ANSWERS
No. It is the purchase of a set amount of your future receivables at a discount. That is why the cost is quoted as a factor rate rather than an interest rate or APR, and why remittance moves with your sales instead of being a fixed monthly payment.
By factor rate. The advance amount is multiplied by the factor to give the total amount to be remitted, and that total is fixed at the start. We will show you the whole number in dollars before you sign, not just the rate.
Often workable. Depending on your position we may be able to add funding, or consolidate what you are carrying into a single cleaner remittance. Stacking advances is usually the more expensive path, and we will say so.
No. Pre-qualification uses a soft credit check, so you can see your options without affecting your score.
Usually not. Revenue-based financing prices speed and flexibility, and it typically costs more than a term loan, a line of credit, or SBA financing. It exists for the situations those cannot reach. If you qualify for something cheaper, we will point you at it.
OTHER OPTIONS
READY WHEN YOU ARE
Soft credit check. No hidden fees. No obligation to take it.
