Services/Revenue-Based Financing

Revenue-Based Financing | Funding That Flexes With Your Sales

Revenue-based financing is working capital where repayment scales with your sales — you receive a lump sum and repay through a set daily or weekly remittance tied to your deposit volume, so payments are lighter in slow periods and track your actual cash flow. Y Millennial Funding is a direct funder serving businesses doing $25,000 or more in monthly revenue, approving on the strength and consistency of your bank deposits rather than credit score alone. It is the core of how we fund: fast, flexible, and aligned with how your business actually earns. Funding is structured as a merchant cash advance against future receivables and is not a loan. Not all applicants qualify.

How It Works

You apply with recent business bank statements; we evaluate your revenue and deposit patterns and return a same-business-day decision for eligible, complete applications. On approval you sign a funding agreement setting the amount, factor rate, and remittance, and funds are typically available within 24 hours. Remittance then scales with your deposits.

Who It's For

Businesses doing $25,000+ in monthly revenue with steady or seasonal sales that want repayment to flex with revenue rather than a rigid monthly payment — including those declined by banks for credit or time-in-business reasons.

Key Benefits

Repayment that rises and falls with sales; approval based on revenue, not credit score; speed (same-day decisions, next-day funding); no collateral requirement; and suitability for seasonal or uneven revenue.

Common Uses

Working capital for inventory, payroll, equipment, marketing, expansion, bridging slow-paying customers, and managing seasonal swings.

Qualification

Around $25,000+ in monthly revenue, several months in business, and consistent deposits. Credit is not the primary factor; bankruptcies, judgments, prior defaults, and active tax liens remain material to underwriting.

Repayment

A set daily or weekly ACH remittance that scales with your deposit volume — heavier when sales are strong, lighter when they slow — rather than a fixed monthly payment. Cost is expressed as a factor rate.

Why Banks Fall Short

Banks evaluate credit, collateral, and time in business and impose fixed monthly payments that ignore seasonality — and they move slowly. Revenue-based financing evaluates deposits and ties repayment to sales, so a business with steady or seasonal revenue can be funded quickly with payments that match its cash flow.

Frequently Asked Questions

Common questions about revenue-based financing.

Helpful Tools

Free resources to help you understand and plan your merchant cash advance.

Industries We Fund

Funding by Location

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