Up to $1,500,000 in flexible capital, 18-month terms, no prepayment penalties — and payments that automatically adapt to how your business is actually performing. When sales are strong, you pay down faster. When sales are slower, your payments naturally decrease. This is institutional revenue-based financing built for growing businesses that don't fit the rigid bank model.
The factor rates, terms, and structure on this program are not available through other revenue-based financing providers. Our lender partner has dominated this market with specific advantages most operators don't realize exist.
The funding ceiling is substantially higher than typical revenue-based programs. You get the capital your business actually needs, not the small number a typical advance program caps out at.
Up to 18 months to repay. The longer term means smaller payment percentages and breathing room for your business to grow into the funding.
Pay it off early whenever your cash flow allows. No penalties, no fees, no friction. Many other revenue-based programs lock you in with prepayment penalties; ours does not.
Revenue-Based Financing is a flexible form of business capital where repayment is tied to a percentage of your gross revenue, rather than a fixed monthly payment.
You receive up to $1,500,000 deposited directly into your business account, based on your expected future sales and business performance.
Instead of paying a fixed monthly amount, you repay a set percentage of your daily or weekly revenue. The percentage is agreed in advance.
During busy periods, when revenue is strong, you pay more and clear the balance faster. During slower periods, payments naturally decrease — preserving your operating cash flow precisely when you need it most.
If your business hits a strong stretch and you want to clear the balance early, you can. No prepayment penalty, no early termination fee.
This program is purpose-built for growing businesses with strong revenue patterns that may not fit traditional bank lending criteria.
Restaurants, retail, hospitality, landscape, construction — any business where revenue varies by season. Fixed monthly payments don't fit your reality. Revenue-Based Financing does.
You're scaling fast. Your trailing financials don't reflect your current trajectory. Banks look backward. Revenue-Based Financing looks at your actual current performance.
You had a rough patch on paper. Current revenue is strong. Banks see the old numbers and decline. Our program evaluates your current reality.
Inventory discounts, marketing pushes, expansion timing — capital needs that won't wait for a 60-day bank approval. Revenue-Based Financing typically funds in days.
Cash flow varies. You don't want to be locked into a fixed payment that hits whether you had a good month or a bad one. Revenue-Based payments adjust automatically.
You're working toward an SBA loan, a commercial mortgage, or a larger working capital facility. You need bridge capital that won't penalize you for paying it off early when the larger financing closes. Zero prepayment penalty makes this ideal bridge funding.
The qualifications are revenue-driven, not credit-driven. Businesses with consistent revenue but credit profiles that don't fit traditional banks often qualify here.
We've placed Revenue-Based Financing for businesses across nearly every industry — restaurants, contractors, retailers, e-commerce, professional services, healthcare, transportation, manufacturing, and more. If your business has steady revenue, you likely qualify. Apply and we'll tell you straight, within one business day.
| Feature | Traditional Bank Loan | Revenue-Based Financing |
|---|---|---|
| Approval timeline | 30-90 days | Days, not weeks |
| Underwriting basis | Historical financials, credit | Current revenue performance |
| Payment structure | Fixed monthly amount | Percentage of revenue (flexes) |
| Seasonal cash flow | Penalizes (still owe full payment) | Adapts (payments adjust) |
| Prepayment penalty | Often yes | No |
| Collateral required | Often yes | Not required |
| Personal guarantee | Almost always | Standard |
| Best for | Stable, traditional businesses | Growing, seasonal, or non-traditional businesses |
The takeaway: Revenue-Based Financing isn't a replacement for a bank loan in every situation. But for the right business at the right moment, it delivers capital faster, more flexibly, and with terms that actually match how the business operates.
Submit the online application with basic business information and funding need. Encrypted, never shared, never sold.
We personally review your file within one business day, often within hours. If we need clarifying information, we reach out directly.
Our lender partner evaluates your file. Initial approval typically returns within 24 to 48 hours.
You provide standard documentation: recent bank statements, business identification, basic business records. We help guide you through what's needed.
Funds wire directly to your business bank account. From application start to money in your account is typically a few business days for clean files.
When you share business financial information — bank statements, revenue patterns, business performance — you're trusting us with sensitive data. We treat it accordingly.
All information is encrypted in transit and at rest using bank-grade encryption.
Your information is shared only with the specific lender partner we are matching you to for this transaction — and only after you authorize us in writing.
We do not sell your data. To anyone. Ever.
Your contact information is never sold to marketing lists, lead aggregators, or third parties outside the transaction.
You can request your file be permanently deleted at any time by emailing info@WFA.Money.
This is non-negotiable. The trust of business owners exploring Revenue-Based Financing is the foundation of our business — and we won't compromise it.
Traditional loans require fixed monthly payments regardless of how your business is performing. Revenue-Based Financing payments adjust as a percentage of your actual revenue — you pay more when business is strong, less when business is slower. This flexibility makes it ideal for seasonal businesses, growth-stage operators, or any business with variable cash flow.
Our program funds up to $1,500,000 in a single transaction. The actual amount depends on your revenue volume, time in business, and overall business profile.
Terms go up to 18 months. The actual term is set in advance based on the funding amount and your business profile, but the flexible payment structure means you can pay it off faster during stronger revenue periods.
No. Zero prepayment penalty. If your business hits a strong stretch and you want to pay off the balance early, you can do so without any penalty or fee. This is one of the program's key advantages over many competing revenue-based programs.
For complete applications with clean documentation, funding typically wires within a few business days of application submission. Approval often returns within 24-48 hours; funding follows shortly after documentation review.
No collateral is required for this program. Approval is based on your revenue performance and business profile, not on physical assets.
A personal guarantee from the business owner is standard for this type of financing, similar to most business lending products.
That's exactly what this program is built for. When your revenue dips, your payment percentage stays the same — but because it's calculated against lower revenue, the dollar amount of your payment naturally decreases. Your business gets breathing room during slow periods rather than being squeezed by a fixed payment.
Nearly all legitimate business industries qualify. We've placed Revenue-Based Financing for restaurants, retail, e-commerce, contractors, professional services, healthcare practices, transportation, manufacturing, and many others. If you have a U.S. business with consistent revenue, you likely qualify.
We're a loan placement advisory. We're compensated by our lender partner upon successful funding — at no additional cost to you. Our incentives are aligned with placing you in a program that actually closes and actually helps your business.
A 3-minute application starts the process. Most clients receive an initial response within one business day and funding within days of approval.
Have questions first? Call (786) 321-7366
Mon-Fri, 9am-5pm Pacific Time. Applying online first makes any conversation more productive.