Payroll Funding
Payroll funding can help businesses bridge temporary cash flow gaps and keep teams paid on time.
Best for: Staffing, service, and operations businesses with timing mismatches in cash flow
Revenue Based Financing
Fast Capital Based on Business Revenue
Revenue based financing options may provide quick access to capital based on business revenue and future receivables.
Overview
Revenue based financing provides an upfront sum in exchange for a portion of future business receivables or sales, typically repaid through fixed daily or weekly remittances. It is commonly used when speed matters and traditional documentation isn't available. Cost is typically expressed as a factor rate rather than an APR.
Typical amounts
Typically $5,000 to $500,000+
Speed
Approvals possible within hours; funding may be as fast as same day
Terms
Repayment schedules commonly 3–18 months
Best For
Revenue-generating businesses that need fast capital and have predictable sales.
Common Use Cases
- Quick working capital
- Bridging short-term gaps
- Inventory or supplier payments
- Time-sensitive opportunities
Potential Benefits
- Speed - often funded within days
- Lighter documentation than traditional loans
- Based largely on revenue history
Things to Consider
- Cost structure is materially different from APR-based loans
- Daily or weekly remittances affect cash flow
- Best evaluated against alternative products when available
How the Process Works
- 1Submit a secure application with basic business details
- 2American Financial Source reviews your profile and identifies eligible products
- 3Connect with a funding specialist to discuss the right structure
- 4Provide any final documentation and complete underwriting
- 5Funds are disbursed once the offer is accepted and finalized
Required Documents
- Business application
- 3–4 months of business bank statements
- Processor statements (if applicable)
Frequently Asked Questions
Related Funding Options
Working Capital
Short- and medium-term capital for inventory, payroll, marketing, supplier payments, and day-to-day operations.
Best for: Businesses managing day-to-day operations or pursuing short-term growth
Apply
Apply for Revenue Based Financing
Skip the long forms. Open our secure DocuSign application and a funding specialist will follow up within one business day. No cost, no obligation, and inquiring does not affect your credit.
- Secure DocuSign envelope — confidential submission
- Most applications take less than 10 minutes
- Response from a specialist within one business day
Apply with DocuSignCall (516) 373-7622
Prefer to talk first? A specialist can walk through options before anything is submitted.
Ready to Find the Right Funding Option?
Start your application today and let American Financial Source help you explore funding options built around your business goals.