REVENUE-BASED FINANCING

Keep your equity intact with Revenue-Based Finance

Unlock growth without giving up equity. Revenue-Based Financing is a flexible funding option designed to get you the capital you need, with repayments that adjust to your success.

Borrow from £1,000

Money typically available in as little as 48 hours

Monthly payments are based on a percentage of your monthly revenue

Retain more ownership and control of your business and its assets

Apply now

Already a Tide member? You can apply for a business loan and other finance directly within the Tide app.

Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK.

Providing over £1 billion in funding to more than 17,000 UK businesses, we’re on a mission to help business owners grow with confidence.

What are the benefits of Revenue-Based Financing?

Flexible repayments

Your payments adjust to your revenue, increasing when sales are good and decreasing when business is slower.

No equity exchanged

You don’t give up any ownership in your company, so you maintain 100% control of everything.

Fast access

Get your money faster with a streamlined application and decision-making process.

Freedom of use

You can use Revenue-Based Financing to fund whatever project you need, from hiring to product development.

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What is Revenue-Based Financing?

Revenue-Based Finance is a flexible funding option that gives you capital in exchange for a percentage of your monthly revenue. So instead of paying fixed monthly instalments, as you would with a traditional business loan, your repayment amounts adjust to your business’s income.

For example, you may borrow £50,000 with an agreed rate of 5% of your monthly revenue until the loan has been paid off. This could look like:

Month 1: £20,000 in revenue = £1,000 to pay that month

Month 2: £50,000 in revenue = £2,500 to pay that month

Month 3: £35,000 in revenue = £1,750 to pay that month

This payment structure is ideal for businesses with predictable revenue streams, limited assets for collateral, or a desire to avoid giving up equity.

What types of Revenue-Based Funding are available?

Variable collection

This is the most common type of Revenue-Based Financing. In this case, you borrow a sum of money and pay it back in monthly instalments, which are calculated by your revenue.

The more money your business makes, the higher your monthly payments will be - and the quicker you’ll pay the loan off.

Flat fee

You agree to paying a fixed percentage of your revenue each month until the loan term ends.

Typically, these monthly repayments are lower, so it’s an ideal option for businesses that are just starting out. But, if your business grows at a rapid pace, you may end up paying much more over the loan term.

Are you eligible for Revenue-Based Funding?

Your eligibility depends on the type of finance you’re looking for, the amount you’re after, and the financial stability and turnover of your business.

Who’s eligible for Tide’s Revenue-Based Funding?

To be eligible for any type of business loan or credit from Tide, you must:

Be over 18

Be a UK resident

Have a UK-based business

Have a UK bank account

What do you need to apply for Revenue-Based Financing?

Basic information about your business, such as how old it is, and your annual revenue

Information on directors and shareholders

Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

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We've already helped businesses secure more than £1 billion

We’ve provided funding to more than 17,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

How to apply for Revenue-Based Financing

Applying for finance through Tide is simple - we'll find a lender tailored to your business, and we only need a few details from you.

Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

Get a decision and receive your money Depending on the type of finance you’ve applied for, money could be available in around 24 hours.

Apply now

Is Revenue-Based Financing right for you?

Anyone can apply for revenue-based funding but, given its flexible payment structure, it’s more suited to some businesses than others.

Seasonal businesses

If your business ebbs and flows and you don’t have a consistent revenue stream all year round, a flexible payment structure may suit your cash flow more.

Younger businesses

As a newer business, you may not be eligible for a traditional business loan. The good thing is you’ll only pay a rate that is proportional to your business growth.

Subscription-based businesses

If you have a steady and predictable monthly recurring revenue, your business is likely in a better position to make monthly repayments.

Companies with minimal assets

You can raise capital via Revenue-Based Finance without having to give up control of your business or using your assets as collateral.

E-commerce businesses

If your revenue streams are predictable, you can use the funding for purchasing inventory last-minute or investing in marketing campaigns to fuel growth.

Businesses with growth potential

As Revenue-Based Finance payments are tied to revenue, businesses with clear growth strategies are attractive to lenders.

Access a range of business funding options from our trusted partners

What can you use Revenue-Based Finance for?

Managing inventory and supplies

Scaling marketing campaigns

Growing services and product lines

Investing in technology

Revenue-Based Financing vs traditional financing options

Understanding your finance options is the key to sustainable growth. For the right business, revenue-based loans can be a suitable alternative to traditional financing options, like debt finance or equity finance.

We've outlined the key differences below to help you find the best solution for your business.

	Revenue-Based Finance	Debt Finance	Equity Finance
Ownership/control	No dilution. Founders retain control	Do dilution. Founders retain control (may have covenants)	Dilution. Investors gain ownership and influence
Repayments	Flexible. Adapts to cash flow	Fixed. Regular payments	No direct repayments. Investors profit from growth
Risk to business	Lower in slow periods	Higher if cash flow is inconsistent	No repayment burden, but loss of control
Speed	Fast	Moderate	Slower and more complex
Cost	Can be higher if growth is rapid	Generally lower and interest may be tax-deductible	Often higher in the long-term

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Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

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How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

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Alternatives to Revenue-Based Financing

Whether you’re stacked with overdue invoices or after more flexible funding for wider projects, we have options for you.

Business Loans

Get funding for larger business investments or long-term growth.

Explore Business Loans

Business Credit Cards

Manage cash flow, earn rewards and build your business credit score.

Explore Credit Cards

Asset Finance

Pick up essential equipment or vehicles without upfront capital.

Explore Asset Finance

Invoice Finance

Unlock cash from unpaid invoices, improving immediate cash flow.

Explore Invoice Finance

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