Revenue-Based Financing
Revenue-based financing can provide growth capital with repayment tied to business revenue rather than a conventional fixed-payment structure.
The short answer
Revenue-based financing provides growth capital to businesses with recurring or predictable revenue, repaid as a set percentage of monthly revenue rather than as a fixed payment. Paradise Working Capital, a Hawaii-based broker, reviews the revenue history, cash flow, and use of proceeds and matches the request to a participating funding source.
How This Program Works
Revenue-based financing is designed for businesses with recurring or predictable revenue that want growth capital without selling ownership. Repayment is generally connected to revenue, so the funding source reviews the business model, revenue history, cash flow, and requested use of proceeds.
Recurring or predictable revenue is relevant
Revenue history and cash flow reviewed
Supporting documents required
Repayment structure varies by funding source
Larger requests (multi-million) generally require $4M+ revenue and $2.5M+ ARR, typically through our venture-debt lending relationships
Revenue-Based Financing Calculator
Move the sliders to see an educational funding estimate for this program. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
This calculator estimates potential Revenue-Based Financing funding based on desired amount, monthly revenue, and time in business, within this program's typical range of $25K – $10M. Estimates are for illustration only and do not constitute a loan offer.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
Need more information? Book a call with Kevin →
How It Works
The review begins with a complete form and the documents needed for the program. Timing depends on the request, the funding source, and how quickly the file can be completed.
Complete the Form and Documents
Tell us what you need, complete the application, and provide the business, financial, invoice, equipment, or property documents relevant to your request.
We Review the Full Picture
Once the requested information is in, a local advisor reviews the request and looks for potential program fits within our lending network.
Review Potential Options
If a potential fit is identified, we explain the next steps and any available proposal. The participating funding source makes the final decision.
Revenue-Based Financing — Frequently Asked Questions
How is revenue-based financing different from an MCA?
Both flex with your sales, but revenue-based financing is typically sized to monthly recurring revenue with longer terms — a better fit for steadily growing businesses than a fast card-sales advance.
How fast can I get funded?
Many of our funding sources can fund in as little as 3-7 business days once a complete application and documents are submitted — reviewing recurring revenue and business model takes a bit longer than a same-day card-sales advance. Exact timing depends on the completed application, requested documents, and the participating funding source — no specific timing is guaranteed.
What documents do I need to apply?
Typically: 3+ months of recent business bank statements, a government-issued ID, and basic business information. Larger requests may also need revenue history and financial statements. Additional documents may be requested depending on the funding source.
Do I have to give up equity?
These programs are generally structured as financing rather than an equity investment, but the exact agreement and repayment terms must be reviewed before accepting an offer.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.