Revenue-Based Financing (Merchant Cash Advance)

Fast, Flexible Working Capital Based on Your Business Revenue


Ohio Business Funding's Revenue-Based Financing (RBF), also known as a Merchant Cash Advance (MCA), provides businesses with fast access to working capital based primarily on their historical revenue and cash flow rather than traditional collateral requirements. This financing solution is ideal for businesses that need capital quickly to manage operations, purchase inventory, seize growth opportunities, or address short-term cash flow needs.


Unlike a conventional loan, revenue-based financing provides an upfront advance that is repaid through scheduled payments based on the terms of the financing agreement. Because qualification is driven largely by business performance, many businesses that may not qualify for traditional bank financing can still access capital through this program.


Program Highlights

  • Financing from $5,000 to $2 million+ (subject to qualifications)
  • Fast application, approval, and funding process
  • Decisions often based more on business revenue than collateral
  • Available for a wide variety of industries
  • Flexible financing solutions for growing businesses
  • Minimal documentation required for many programs
  • Financing available for established businesses with consistent revenue


Common Uses

Businesses frequently use revenue-based financing to:

  • Improve working capital
  • Purchase inventory
  • Cover payroll and operating expenses
  • Launch marketing campaigns
  • Purchase equipment
  • Expand operations
  • Manage seasonal cash flow fluctuations
  • Complete large customer orders
  • Handle unexpected business expenses
  • Bridge short-term cash flow gaps


Benefits of Revenue-Based Financing

  • Quick access to capital
  • Simplified application process
  • Financing decisions based on business performance
  • No specific collateral required for many programs
  • Flexible funding solutions for businesses that may not qualify for traditional bank loans
  • Capital can be used for most legitimate business purposes
  • Supports business growth without lengthy underwriting timelines


Basic Qualifications

While requirements vary by financing partner, businesses generally benefit from:

  • A registered U.S.-based business
  • Consistent monthly business revenue
  • Active business checking account
  • Minimum time in business requirements (varies by program)
  • Ability to demonstrate ongoing business operations


Documentation may include:

  • Recent business bank statements
  • Business identification
  • Driver's license or government-issued ID
  • Business formation documents
  • Merchant processing statements (if applicable)


Why Choose Ohio Business Funding?

Ohio Business Funding works with a nationwide network of banks, private lenders, and alternative financing providers to help businesses identify financing solutions that fit their specific needs. Our funding advisors evaluate each business individually and compare multiple financing programs to help clients secure competitive funding options while providing guidance throughout the process.


We understand that every business is different, and our goal is to help business owners access the capital they need quickly and efficiently.


Ideal For Businesses That

  • Need funding quickly
  • Have consistent monthly revenue
  • Want to increase working capital
  • Need to purchase inventory
  • Are expanding operations
  • Experience seasonal cash flow fluctuations
  • May not qualify for traditional bank financing
  • Need financing with a streamlined approval process


Important Disclosure

Revenue-Based Financing and Merchant Cash Advances are commercial financing products and are not traditional loans. Financing is subject to approval by participating funding providers. Funding amounts, pricing, repayment schedules, fees, and eligibility requirements vary based on the applicant's business profile, revenue history, industry, and underwriting guidelines. Ohio Business Funding is not a direct lender and works with a network of financing partners to help identify financing solutions that best meet each client's business needs. Businesses should carefully review all financing terms before accepting an offer.

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