What are the benefits of revenue-based financing?
Flexible repayments
No equity exchanged
Fast access
Freedom of use
What is revenue-based financing?
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
What types of revenue-based funding are available?
Variable collection
Flat fee
Are you eligible for revenue-based funding?
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
We've already helped businesses secure more than £1.6 billion
How to apply for revenue-based financing
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.
Is revenue-based financing right for you?
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 finance 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
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 |
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.
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.