Revenue-based financing (RBF) is one of the most flexible funding products: you get a lump sum and repay a percentage of revenue until a set total is paid — more in strong months, less in slow ones. But each RBF funder sets its own factor, holdback, and approval box. Here's how to find the one that fits your business.
Why one RBF funder rarely fits
Revenue-based funders differ in what they'll fund and how they price it. One wants $25K+/month. One only does card-heavy businesses. One prices at a 1.45 factor when another would do 1.25 for the same file. A single application means one structure at one price — with no way to know if it's competitive.
One funder = one structure
Their factor, their holdback, their box. If your revenue pattern or industry doesn't fit, you're declined or priced high — with no benchmark.
50+ lenders = your fit, your rate
We match your revenue profile to the RBF lenders that fund it, surface competing factor rates, and negotiate the winner down. Funded in 24 hours.
Going to one funder vs. The Broker Shop
| What matters | Going to one funder | The Broker Shop |
|---|---|---|
| Factor rate | Their one quote | Bid down across 50+ lenders |
| Repayment | Their fixed holdback | Matched to your cash-flow pattern |
| Eligible businesses | Their narrow box | Card-based, B2B, cash-heavy — 50+ lenders |
| Who negotiates | No one | We do, across 50+ lenders |
| Cost to you | Varies | $0 — the lender pays our fee |
Flexible payments, competitive factor
RBF's big advantage is flexibility — payments rise and fall with revenue. But the factor rate (your cost) varies widely between funders for the same file. One funder gives you one factor; 50+ competing drives it down.
The Broker Shop reaches 50+ revenue-based lenders at once, matches your revenue profile to the right ones, and negotiates the factor rate down. One soft pull, funded in 24 hours, free to you.
Get Competing RBF Offers →What actually determines your cost
For revenue-based financing, these factors decide your cost:
- Revenue volume and consistency — steadier, higher revenue earns a lower factor.
- How many lenders compete — one factor quote vs. 50+ bidding.
- Credit score — 500+ qualifies; higher lowers the factor.
- Time in business — 6+ months; more history means better pricing.
- Whether anyone negotiates — a broker pushes the factor down.
See our revenue-based financing guide, or compare merchant cash advances.