Revenue-based financing (RBF) is a type of business funding where you receive a lump sum of capital and repay it through fixed daily or weekly payments drawn from your business revenue. Approval is based on your monthly revenue, not your credit score or collateral. Black Lamb Finance provides RBF to small businesses earning $10,000 or more per month, with funding in as little as 24 hours.

Bank loans require strong credit (typically 680+), collateral, and take 30-90 days to fund. Revenue-based financing requires no minimum credit score, no collateral, and funds in 24-48 hours. Banks look at your credit history first. RBF looks at your actual monthly revenue first.

Yes. Revenue-based financing does not have a minimum credit score requirement. Approval is based primarily on your monthly business revenue. Business owners with credit scores in the 400s, 500s, and 600s qualify every day. If your business is doing $10,000 or more per month, your credit score is not the primary factor.

Most approved applicants receive funds within 24-48 hours of approval. The application itself takes about 2 minutes. There is no 30-day wait, no appointment scheduling, and no stack of paperwork.

Yes. Revenue-based financing is a regulated form of business funding used by thousands of small businesses across the United States. You receive a clear funding agreement with transparent terms before any money moves. There is no hidden fee structure and no obligation to accept an offer.

Cost depends on your business revenue, funding amount, and term length. You receive a clear, written breakdown of the total repayment amount and factor rate before signing. There are no origination fees hidden in the fine print. Every offer is presented transparently with the full cost visible upfront.

We do not require a hard credit pull to see what you qualify for. Approval is based primarily on your monthly business revenue. A soft check may be used to verify your identity, but it does not affect your credit score.

A factor rate is a decimal number that represents the total cost of your funding as a multiple of the amount borrowed. For example, a factor rate of 1.2 on a $50,000 advance means you repay $60,000 total. Factor rates are used in revenue-based financing and merchant cash advances instead of traditional interest rates.

Typically just your last 3-6 months of business bank statements. No tax returns, no lengthy paperwork, no business plan required. The application takes about 2 minutes.

We work with most industries including ones banks avoid like restaurants, trucking, salons, contractors, and retail. If you have consistent monthly revenue of $10,000 or more, we want to hear from you.