REVENUE BASED FINANCING
The Bank Said No
We Look at Your Revenue

If your business is doing $10,000+/month, you may qualify for $10K-$500K+ in funding in as little as 24 hours. No collateral. No perfect credit required.

No hard pull  |  2 minute application  |  No obligation

$10k – $500k+
Funding range

24 – 48 Hrs
Avg. funding time

No Collateral
Required to apply

Business owners across the country are getting funded this week – even after bank denials!

Built for Business Owners Banks Overlook
Banks have a checklist. If your business does not fit it – your industry, your credit history, your revenue structure – they say no. We were built for exactly that situation.

Restaurants
Seasonal revenue, cash operations, tight margins

Trucking
Equipment repairs, fuel, fleet expansion

Contractors
Job float, construction materials, hiring crew

Salons
Adding suites, equipment upgrades, slow months

Retail & E-Commerce
Inventory, scaling, cash flow, digital marketing

Cannabis
Conventional banks say no, we say yes

How it works
No bank. No bureaucracy. No 60-day wait.

  • Answer a few questions – takes 2 minutes
  • We review your revenue – not just your credit score
  • See your options – no obligation
  • Funds in your account in 24-48 hours

Find Out What You Qualify For Right Now
Takes 2 minutes. No credit check. No obligation.

Revenue-Based Financing vs. Bank Loans vs. Cash Advances
Three options. One might actually work for you.

FEATURE

REVENUE BASED FINANCING

BANK LOAN

MERCHANT CASH ADVANCE

Speed to Fund

24-48 hours

30-90 days

24-48 hours

Credit Requirement

No minimum credit score

680+ typically required

No minimum credit score

Collateral Required

No collateral required

Often requires collateral

No collateral required

Repayment Structure

Fixed daily or weekly payments

Monthly payments

Percentage of daily sales

Funding Range

$10,000 – $500,000

$25,000 – $500,000+

$5,000 – $250,000

Best for

Businesses doing $10K+/month that banks reject

Established businesses with strong credit

Businesses with high daily card volume

Frequently Asked Questions

What is revenue-based financing?

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.

What is the difference between revenue-based financing and a bank loan?

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.

Can I get business funding with a 400 credit score?

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.

How fast can I get funded?

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.

Is revenue-based financing safe?

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.

How much does revenue-based financing cost?

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.

Do you check my credit?

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.

What is a factor rate?

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.

What do I need to apply?

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.

What industries do you work with?

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.

Is there a minimum revenue requirement?

Yes. Your business needs to be generating at least $10,000 per month in revenue to qualify. This can be verified through your business bank statements.

Ready to Find Out What You Qualify For?
Takes 2 minutes. No credit check. No obligation.