Fuel Your Growth with Up to $5M in Flexible, Revenue-Based Financing
Get fast funding with flexible repayment options to cover operating costs and manage surprise business expenses.
Ready to finance your business?
Applying online is free and takes less than five minutes.
Applying will not affect your credit score. By accessing or applying for business funding services from Swish Funding, you agree to receive calls, texts, and emails from Swish Funding at the contact information provided, and agree to the Terms and Conditions and Privacy Policy.
Revenue-Based Financing Snapshot
$10K–$5M
Financing amounts range
$100K
Average financing amount
3 minutes
Prequalify time
What is Revenue-Based Financing?
Revenue-Based Financing (RBF) is a flexible funding option where your business receives capital today in exchange for a percentage of your future revenues. Unlike a traditional loan, there’s no fixed repayment amount or rigid due dates. Instead, repayments rise and fall in line with your sales.
How does Revenue-Based Financing work?
Unlike a traditional loan with fixed payments, revenue-based financing is an advance on your future sales—usually credit card or daily revenues. You receive a lump sum upfront and repay it through a percentage of your daily sales until the full amount, including fees, is paid back. That means if your revenue slows in one month, your payment decreases. If sales climb the next month, your payment increases. This flexibility makes RBF especially attractive for growing businesses with seasonal or fluctuating income.
Best of all, you don’t give up ownership like you would with equity financing, and you’re not locked into high, inflexible monthly payments like a bank loan. You maintain control of your business while accessing the growth capital you need.
If you’re seeking flexible funding without sacrificing equity or control, revenue-based financing may be a great solution for your business.
Revenue-Based Financing offers a balance of support and freedom that few other funding models provide.
RBF is a funding solution built for businesses in growth mode or those managing variable cash flow cycles. Curious to see if you qualify? Take our 3 minute evaluation - fast, easy and built for busy business owners.
Why Choose Revenue-Based Financing?
Here’s why more companies are making RBF their funding strategy of choice.
No Fixed Repayments
Payments adjust to your actual revenue.
No Equity Loss
You retain 100% ownership and control.
Flexibility for Growth
Perfect for businesses with seasonal sales or scaling operations.
Aligned Incentives
Your lender succeeds only when your business succeeds.
Pay As You Grow
Our revenue-based repayment model scales with your business — not against it.
Revenue-Based Repayments
Weekly payback schedule structured based on your future revenue, including the option for early payback forgiveness.
Dedicated Account Support
From exploration to approval, our specialists tailor revenue-based financing to your business and guide you through the entire process.
Quick Prequalification
Take our 3 minute evaluation to see if you qualify – fast, easy, and built for busy business owners.
What do you need to qualify for Revenue-Based Financing?
$250K
Annual Revenue600+
Credit Score1 Year
Time in BusinessTop Uses for Revenue-Based Financing
Grow your business
Access fast capital when you need it. Revenue-based funding can be secured within 24-48 hours, allowing you to maximize on growth opportunities without losing momentum.
Hire staff
Hiring new staff can come with hidden expenses, such as job boards, recruiter fees, and background checks. Revenue-based funding helps you cover upfront costs so you can focus on finding great talent.
Cover one-time business expenses
Unexpected business expenses can derail your budget and your cash flow. Revenue-based funding can help you get back on track without interrupting operations.
Buy equipment
Purchasing equipment is crucial for any business run smoothly. Use revenue-based funding to acquire necessary equipment and preserve working capital for other business needs.
Pay down operational costs
Use revenue-based funding to cover fluctuating operational costs and planned short-term expenses, especially for seasonal industries or those with cyclical sales.
Purchase inventory
Stocking up on inventory is key to maintaining a positive cash flow. Revenue-based funding helps you quickly purchase inventory and meet demand, allowing you to focus on growth.
