Revenue Based Financing (RBF) is a flexible funding solution where repayment is tied to your business revenue. Instead of fixed monthly payments, you pay a percentage of your monthly revenue until the agreed amount is repaid. This funding method grows with your business and adjusts to seasonal fluctuations, making cash flow management easier.
Revenue Based Financing is perfect for businesses with consistent revenue streams seeking growth capital without the burden of fixed monthly payments. With RBF, you gain access to:
Revenue-Based Repayments: Pay a fixed percentage of your monthly revenue instead of rigid EMIs
No Collateral Required: Get funding without pledging your assets or property
Seasonal Flexibility: Lower payments during slow months, higher during peak seasons
Quick Access to Capital: Fast approval and disbursal for immediate business needs
Retain Full Ownership: No equity dilution or giving up business control
RBF is ideal for established businesses with predictable revenue streams, e-commerce companies, SaaS businesses, restaurants, retail stores, and service providers looking to scale operations without traditional loan constraints.
Flexible Repayment: Payments adjust based on your monthly revenue, ensuring cash flow stability during business fluctuations.
No Fixed EMIs: Unlike traditional loans, you don't have to worry about fixed monthly payments that strain your cash flow.
Quick Funding: Get approved and receive funds faster than traditional bank loans with minimal documentation.
Revenue-Based Model: Pay only when you earn, with repayments typically ranging from 2% to 10% of monthly revenue.
Customized Solutions: We tailor our RBF terms to match your business revenue patterns and growth projections.
Transparent Process: No hidden fees, clear revenue share percentages, and straightforward terms.
Expert Support: Our financial advisors help you understand RBF and guide you through the entire process.
Fast Funding: Get the capital you need quickly to seize business opportunities without delay.
To qualify for BigMudra revenue based financing, you need to meet the following eligibility criteria:
Age: 21-65 years (at facility maturity)
Business Age: Minimum 1 year of operations with consistent revenue
Monthly Revenue: Minimum ₹2 lakh monthly revenue for the last 6 months
Credit Score: Preferably 650 or above
Business Growth: Positive revenue growth trend over the past year
Eligible entities include sole proprietorships, partnerships, LLPs, private limited companies, online businesses, e-commerce stores, SaaS companies, and service providers with regular revenue streams.
Prepare the following documents for smooth processing:
Unlike traditional loans with fixed EMIs, RBF works on a simple revenue-sharing model. Here's how it works:
Experience flexible funding that adapts to your business revenue. Our experts guide you through the entire process for quick fund acces
Apply Online: Click "Apply" and create your account with basic details
Submit Information: Provide business and revenue information
Documentation: Complete KYC and submit required documents
Get Funded: Receive funds in your account after approval
Particulars | Charges |
---|---|
Revenue Share Percentage | 2% to 10% of monthly revenue |
Processing Fees | Up to 3% of funding amount |
Platform Fees | ₹500 to ₹2000 per month |
Early Settlement Discount | Up to 10% discount available |
Late Payment Charges | ₹500 to ₹1500 per instance |
Documentation Charges | As per state regulations |
What is Revenue Based Financing?
Revenue Based Financing is a funding solution where you repay a percentage of your monthly revenue instead of fixed EMIs. It's flexible and adjusts to your business performance, making it easier to manage cash flow during seasonal fluctuations.
How is RBF different from traditional business loans?
Unlike traditional loans with fixed monthly payments, RBF payments fluctuate with your revenue. You pay more during good months and less during slower periods, providing better cash flow management.
What percentage of revenue do I need to pay?
The revenue share percentage typically ranges from 2% to 10% of your monthly revenue, depending on your business profile, revenue history, and funding amount
How quickly can I get funded?
Revenue based financing can be disbursed within 3-7 working days from the time of application approval, much faster than traditional bank loans.
Do I need collateral for RBF?
No, revenue based financing is typically unsecured, meaning you don't need to pledge any assets or collateral to get funding.
What is the maximum funding amount available?
You can get revenue based financing ranging from ₹5 lakh to ₹2 crore, depending on your monthly revenue and business performance.
Can I prepay my RBF early?
Yes, you can settle your revenue based financing early, and we often provide discounts for early settlement to reduce your total repayment amount.
Which businesses are eligible for RBF?
Businesses with consistent monthly revenue streams like e-commerce stores, SaaS companies, restaurants, retail businesses, and service providers are ideal candidates for revenue based financing.