Revenue-Based Finance for Tech Companies
Tech founders face a choice: raise equity (expensive, dilutive, slow) or bootstrap (limits growth speed). Revenue-based finance offers a third path, growth capital that doesn't dilute your cap table, secured against your recurring revenue rather than personal assets.
RBF providers specialise in SaaS and tech businesses. They connect to your Stripe, Chargebee, or accounting platform to analyse monthly recurring revenue (MRR), churn rates, and growth trajectory. Decisions are data-driven and fast, typically 48 hours from application to offer.
Key Benefits
- Zero equity dilution, keep your cap table clean
- Fund product development, hiring, and marketing
- Decisions based on MRR and growth metrics, not P&L profit
- Repayments scale down if revenue dips during a bad month
Frequently Asked Questions
Is RBF suitable for pre-revenue startups?
No. RBF requires established revenue (typically 6+ months of £10k+/month). Pre-revenue startups should explore grants, angel investment, or SEIS/EIS equity funding.
How does it compare to venture debt?
Venture debt typically requires equity warrants and sits alongside an equity round. RBF is purely non-dilutive and does not require a recent equity raise. RBF is simpler, faster, and does not involve warrants.
What metrics do providers look at?
Key metrics include monthly recurring revenue (MRR), annual run rate (ARR), net revenue retention, logo churn, gross margin, and runway. Providers typically want to see positive unit economics and a clear growth trajectory.
Can I use RBF alongside equity funding?
Yes. Many SaaS companies use RBF to extend their runway between equity rounds or to fund specific growth initiatives (e.g. a sales team expansion) without additional dilution.
Revenue-Based Finance calculator
Move the sliders for an instant estimate. Free to use, no sign-up.
Total repayable
£120,000
Total cost
£20,000
Per month (approx)
£8,000
Est. months
15.0
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Revenue-Based Finance UK
Growth capital repaid as a percentage of your monthly revenue. Non-dilutive funding for UK businesses. No equity, no property security.
R&D Tax Credit Advance for Tech Companies
Get early access to your R&D tax credit claim. Advance funding for UK SaaS and technology businesses claiming R&D relief.
Unsecured Business Loans for Tech Companies
Growth funding for UK SaaS, software, and technology businesses. Fund hiring, product development, and marketing. No equity dilution.
Researching Revenue-Based Finance? Get the free guide
Plain-English, UK-specific. What it costs, who qualifies, and how to get the best terms, straight to your inbox.
- How revenue-based finance works and what it really costs
- Eligibility and the documents lenders ask for
- How CoreFi matches you to the right lenders from our panel
Ready to Get Funded?
Submit your details and we'll match you with the right lenders from our panel. No obligation, no fees.
Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.