Revenue-Based Finance UK
Revenue-based finance (RBF) provides growth capital that you repay as a fixed percentage of monthly revenue. When revenue is strong, you pay more and clear the facility faster. When revenue dips, repayments reduce automatically. There is no equity dilution, no board seats, and no property security.
RBF is popular with SaaS companies, e-commerce brands, and subscription businesses because these models have predictable, measurable revenue. Providers connect to your accounting software, payment processor, or bank feeds to verify revenue in real time.
Key Benefits
- Non-dilutive, no equity given away
- Repayments flex with your monthly revenue
- Decision in days based on revenue data, not business plans
- No property security or personal guarantees in most cases
Frequently Asked Questions
How is revenue-based finance different from a loan?
A loan has fixed monthly repayments regardless of your revenue. RBF repayments are a percentage of actual revenue, so they flex up and down. Total cost is typically expressed as a flat fee (e.g. 6-12% of the advance) rather than an interest rate.
What revenue levels are needed?
Most RBF providers require a minimum of £10k-£20k monthly revenue with at least 6 months of history. Some providers work with earlier-stage businesses, while others focus on £50k+/month.
What percentage of revenue goes to repayment?
Typically 5-25% of monthly revenue. The exact percentage is agreed upfront and remains fixed throughout the facility. Lower percentages mean slower repayment but less impact on cash flow.
Can e-commerce businesses use RBF?
Absolutely. E-commerce businesses are ideal candidates, especially those with consistent monthly revenue through Shopify, Amazon, or direct sales channels. Providers connect to your sales platforms for real-time data.
Revenue-Based Finance calculator
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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 for Tech Companies
Non-dilutive growth capital for UK SaaS and tech businesses. Fund product development, hiring, and marketing without giving away equity.
Revenue-Based Finance for Retail & E-Commerce
Growth funding for UK online retailers and e-commerce brands. Repay as a percentage of sales revenue. No equity, no fixed payments.
Unsecured Business Loans UK
Business loans from £1k to £500k with no property security required. Fast decisions, flexible terms. Compare unsecured loans for UK businesses.
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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.