Peers & Company · San Francisco Merchant Bank

Revenue-Based Financing

Non-dilutive capital with repayment tied to your monthly revenue — not a fixed schedule.

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Definition

What Is Revenue-Based Financing?

Revenue-based financing (RBF) is a form of non-dilutive funding where a company receives growth capital in exchange for a fixed percentage of future monthly revenue until a predetermined amount is repaid. Unlike equity, there is no ownership transfer. Unlike debt, there is no fixed repayment schedule.

How It Works

At Peers & Company

Peers & Company provides $1M–$20M+ in growth capital. Repayment is structured as 1–4% of your monthly revenue over a 2–5 year term. In slower months you pay less; in stronger months you pay more. There are no fixed amortization schedules, no personal guarantees, no warrants, and no covenants.

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Key Advantages

Why Founders Choose Revenue-Based Financing

Zero Equity Dilution

Retain 100% ownership and all future upside. No cap table impact.

Flexible Repayment

Payments scale with your revenue — lower in slow months, higher in strong ones.

No Covenants

No restrictive financial covenants limiting your strategic decisions.

Fast Closing

Underwriting focused on revenue potential. Close in weeks, not months.

No Personal Guarantees

Your personal assets are never at risk.

Founder-Friendly

No board seats, no investor meddling, no forced exit timelines.

Who Qualifies

Is This Right for Your Company?

Companies generating $4M–$100M in annual revenue with at least 2 years of operating history and consistent growth (typically 10%+). We serve SaaS, healthcare, e-commerce, logistics, food & beverage, professional services, and many other industries.

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Industries We Serve

Saas TechnologyEcommerceHealthcareLogistics Supply Chain

FAQ

Common Questions

What is revenue-based financing?
Revenue-based financing is a non-dilutive funding model where repayment is tied to a percentage of monthly revenue rather than a fixed schedule. It allows companies to access growth capital without giving up equity, board seats, or control.
How is revenue-based financing different from a bank loan?
Bank loans have fixed monthly payments regardless of revenue performance, often require personal guarantees and collateral, and come with restrictive covenants. Revenue-based financing has flexible repayment tied to actual revenue, no personal guarantees, and no covenants.
How is revenue-based financing different from venture capital?
Venture capital requires giving up equity — typically 15–30% per round — along with board seats and governance rights. Revenue-based financing is 100% non-dilutive: no equity, no board seats, no loss of control.
What percentage of revenue is used for repayment?
Repayment is typically structured as 1–4% of monthly revenue, depending on the deal size and company profile. The exact percentage is agreed upfront and remains fixed throughout the term.
How long does revenue-based financing take to close?
Our streamlined underwriting process focuses on revenue performance rather than traditional credit metrics. Most deals close in a few weeks — significantly faster than equity rounds which typically take 3–6 months.

The information on this page is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. All financing is subject to underwriting approval and eligibility criteria. Past performance is not indicative of future results. Peers & Company is a merchant bank, not a registered investment advisor. Consult qualified financial and legal advisors before making financing decisions.