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.
Get Pre-Qualified
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.
Eligibility Checker
5-minute pre-qualification assessment with no credit pull.
MCA Calculator
Estimate payments, factor-rate cost, APR, and term length.
Stacking Calculator
Analyze capacity for multiple MCA positions.
How MCA Works
Learn the mechanics and process.
MCA Disclosures
Important terms and information.
Industries We Fund
Funding by Location
- Texas business funding
- Georgia business funding
- Florida business funding
- Washington business funding
- Nevada business funding
- Tennessee business funding
- Ontario business funding
- Michigan business funding
- Oregon business funding
- West Virginia business funding
- California business funding
- Ohio business funding
- Indiana business funding
- Missouri business funding
- District of Columbia business funding
- Arizona business funding
- Connecticut business funding
- North Carolina business funding
- Colorado business funding
- South Carolina business funding
- Wisconsin business funding
- Minnesota business funding
- Maine business funding
- New Hampshire business funding
- Kentucky business funding
- Alabama business funding
- Rhode Island business funding
- Delaware business funding
- Louisiana business funding
- Hawaii business funding
- Oklahoma business funding
- Alaska business funding
- Virginia business funding
- Kansas business funding
- Mississippi business funding
- Nebraska business funding
- Arkansas business funding
- Iowa business funding
- Utah business funding
- New Mexico business funding
- Montana business funding
- New York business funding
- Illinois business funding
- Vermont business funding
- Pennsylvania business funding
- Idaho business funding
- New Jersey business funding
- Massachusetts business funding
- North Dakota business funding
- South Dakota business funding
- Wyoming business funding
- Maryland business funding
- Atlanta business funding
- Jacksonville business funding
- Miami business funding
- Tampa business funding
- Orlando business funding
- Savannah business funding
Related Services
- Merchant Cash Advance
- Same-Day Business Funding
- Business Line of Credit
- Equipment Financing
- MCA Stacking
- MCA Debt Relief
- Merchant Cash Advance Consolidation
- Insurance & Medicaid Receivables Funding
- Hard Money Loans
- Fix & Flip Loans
- DSCR Rental Loans
- Bridge Loans
- New Construction Loans
- Commercial Hard Money Loans
- MCA Reverse Consolidation
- MCA Restructuring
- 3rd Position MCA
- 4th & 5th Position MCA
- Non-Dilutive Funding