REVENUE-BASED FINANCING

Flexible repayment based on your revenue

Enjoy a stress free loan with no fixed repayment schedule. Repay in proportion to your revenue.

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Get funded up to 3x your
monthly revenue

Get up to $10,000,000 in loan
amount

Low Fees with no collateral

As low as 8-15% of the principal
amount.

Flexible Repayment based on
your revenue

Repay as little as 10% of your revenue,
fret no more with lull months.

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What is Revenue-based Financing?

Revenue based financing as the name goes is a loan whose repayment is pegged to the monthly revenue of the company. This is a flexible form of repayment as you repay less when your revenue is low and repay more when your revenue is higher, reducing the stress on companies during a slower than usual month. It is also good for new companies who are able to show good record of existing revenues. This can be obtained through your sales record on your POS system, e-commerce network like Shopify , Stripe, or even delivery platforms (e.g. Grab or Deliveroo)

How does it work?

Loan disbursement is typically the same as a business term loan which is unsecured with a maximum loan amount of up to 3x of your monthly revenue. The key difference is in its repayment and you can see below for a quick example of how flexible a revenue based financing can be.

Example:
‍Shally runs a Peranakan cafe in Tanjong Pagar that does both dine-in and delivery orders on Grab Food. She also sells her packaged chilli sauce on Shopee. As such, all her revenue can be easily tracked via her POS system in store, Grab app and on Shopee. With a total monthly revenue is $50,000 and her business was extended a revenue based loan based with the following terms.

Funding amount on day 1

Flat Fee added to principal (10%)

Repayment per month

Processing Fee (3%)

S$100,000

S$10,000

20% of revenue per month

S$3,000 upfront

Repayment Schedule:

Month

Revenue

S$60,000

$80,000

$20,000

$110,000

S$80,000

S$50,000

S$60,000

S$15,000

S$50,000

Repayment (20% of revenue)

S$12,000

S$16,000

S$4,000

S$22,000

S$16,000

S$10,000

S$12,000

S$3,000

S$10,000

S$5,000

Outstanding Balance

S$110,000

S$98,000

S$82,000

S$78,000

S$56,000

S$40,000

S$30,000

S$18,000

S$15,000

S$5,000

Looking at months 4 and 9 where revenue was $20,000 and $15,000 respectively, repayment was only $4,000 and $3,000 respectively.

Why choose Revenue-based Financing?

No hidden surprises

No hidden cost. Know your full cost
upfront.

Dilution Free

Fund your business without dilution, control or loss of board seat.

Collateral Free

No need for collaterals or even guarantee.

Rely on your
track record

Borrow based on your revenue records on your POS, Payment Gateway or delivery apps.

Save Time

Skip a visit to a physical front, enjoy a 100% online application

Collaborative Lenders

Lenders have a vested interest in getting your revenue up as soon as possible.

Business registration

Incorporated in Singapore (including LLP, Sole proprietorship)

Business ownership

At least 30% of the company owned by Singaporeans / PR

Credit of shareholders

No existing default records

Time in operations

At least 3 months of operating revenue

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Why get your property loan through Lendingpot?

Why get your Revenue-based Financing through Lendingpot?

A team that will support you

We have a dedicated team that will walk you through your entire loan process and help you do the market research you need.

We let lenders compete for your loan

Be ready to be spoilt for choice when we help you compare the best deals across all banks and non-banks so you only get the lowest interest rate and the highest cash out amount. Our rates are same as what the banks can offer or even better.

Save time in a single application

Compare across over 45 lenders in just 1 application.

Why get your Revenue-based Financing through Lendingpot?

A team that will support you

We have a dedicated team that will walk you through your entire loan process and help you do the market research you need.

We let lenders compete for your loan

Save time in a single application

Compare across over 45 lenders in just 1 application.

Apply Now

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FAQS

What do I need to prepare for a revenue-based loan?

How long is the application process like?

How do you calculate the actual effective interest on your revenue-based loan?

See more FAQs

Still have doubts?
Let us help!

We’re happy to address any doubts you may still have. Let us know in the message box or simply book an appointment with us below.

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