Revenue-Based Financing Calculator
See how long repayment takes and what revenue-share financing really costs you.
What Is Revenue-Based Financing?
Revenue-based financing gives you an advance in exchange for a percentage of your monthly revenue until you've paid back a set multiple. Unlike MCAs with their daily holdbacks, RBF usually collects monthly and uses a cap multiple instead of a factor rate. Take a $50,000 advance with a 1.5x cap: you pay back $75,000 total by giving up, say, 5% of monthly revenue. Growing fast? You pay off sooner. Revenue dips? Payments shrink and the timeline stretches. This calculator models how long payoff takes at your current revenue, then converts the cost to an effective APR. RBF has become popular with SaaS, e-commerce, and subscription businesses because payments flex with how the business is actually doing.
How to Use This Calculator
Enter Monthly Revenue
Your current average monthly revenue. The calculator holds this number steady for the estimate -- in reality, payoff will shift as revenue moves up or down.
Set the Advance Amount
The capital you're getting from the RBF provider. Most advances are 1-4 months of revenue.
Input Revenue Share Percentage
The percentage of monthly revenue going to the RBF provider. Most range from 2-10%.
Set the Repayment Cap
This sets your total repayment. A 1.5x cap on $50K means you pay back $75K, period. Doesn't matter how long it takes.
Key Concepts
Revenue Share Rate
The fixed cut of monthly revenue going to the RBF provider. At 5% on $100K monthly revenue, you're handing over $5,000 each month.
Cap Multiple
Your total repayment as a multiple of the advance. 1.5x on $50K = $75K back. Lower cap = less total cost. Simple as that.
Revenue Growth Benefit
When revenue grows, payments grow too, which shortens your payoff timeline. Growing businesses clear the debt faster -- the opposite of how fixed-payment loans work.
Revenue Decline Protection
Revenue drops? Payments drop with it. You get built-in cash flow protection during slow periods -- something fixed-payment loans can't give you.
No Equity Dilution
You keep 100% of your company. No equity stake, no board seats, no investors telling you how to run things. You just pay a fixed total from revenue.
Expert Insights
RBF works when your gross margins are above 50% and revenue is predictable. If margins are thin -- under 30% -- that revenue share eats into operating capital and you end up with the same cash flow crunch as an MCA.
Match the cap multiple against your growth trajectory. Growing 10%+ monthly? A 1.5x cap might pencil out under 30% APR. Flat revenue? Same deal could hit 60%+ APR. Run the math at optimistic, realistic, and pessimistic scenarios.
Fight for a lower cap multiple, not a lower revenue share. Dropping from 1.5x to 1.3x saves far more money than shaving a percentage point off your revenue share, especially if payoff is under 12 months.
Frequently Asked Questions
This calculator provides estimates for educational purposes only. Actual results depend on your specific business financials, lender terms, and market conditions. Consult a qualified financial advisor before making major business financing decisions.
Run These Numbers Too
MCA Payoff Calculator
Find out what your MCA actually costs and how long you'll be paying it off.
Factor Rate to APR Converter
Turn any MCA factor rate into a real APR so you can see what you're actually paying.
Cash Flow Forecast Calculator
See where your cash position will be in 6, 12, or 24 months based on real numbers.
Explore Revenue-Based Financing
Compare RBF providers and find flexible financing that scales with your business.
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