Between $15K and $500K in working capital, paid back as a percentage of your daily or weekly sales. Direct from LendPoint, not through a marketplace.
Established operations with a real revenue base.
Consistent cash flow, not a ramp.
Credit isn't the gate, but it informs the offer.
If you're close to these numbers and have a strong reason for capital, apply anyway. We look at the full picture.
Five-minute online application. Upload your last three months of business bank statements. Soft credit pull only — no hit to your score.
Most files get a decision within 24 hours. We send a term sheet with the advance amount, factor rate, total payback, and remittance schedule.
Sign the agreement, complete a quick verification call, and receive funds the same or next business day.
A revenue-based advance is priced as a factor rate, not an APR. The factor is a multiplier applied to the advance amount.
If you're not sure which side you're on, talk to us before applying. We'll tell you straight.
Dental, outpatient, social assistance
Brick-and-mortar and online
Light and heavy
Repair shops, body shops (not dealers)
HVAC, electrical, plumbing, landscaping
Plus wholesale, accounting, professional services, education, business franchises, grocers, and IT services. Construction is funded selectively for well-established operators ($1M+ monthly revenue, 2+ years operating). We don't fund every category — restricted industries include trucking, real estate brokers, dealers (auto/truck/motorcycle/RV), certain financial services, churches, and a handful of others. If you're unsure, apply and we'll tell you in 24 hours.
No. We use a soft pull, which doesn't affect your credit score.
No. Remittance comes from your existing primary operating account via ACH.
Yes, on most agreements without penalty. We typically offer early payoff discounts and incentives to reward merchants who pay off ahead of schedule, reducing your total payback. Confirm specifics on your term sheet.
Reach out the moment you see it coming. We've built our process around early communication. Modifications, splits, and short-term pauses are on the table when we hear about it early.
A bank loan is interest-bearing with a fixed monthly payment over a set term. Revenue-based financing is a fixed-cost advance repaid as a percentage of your daily revenue. It's faster and more flexible, but the cost of capital is higher. Use it when speed and access matter more than absolute cost.
Yes. Most of our merchants renew, and they typically come back at better terms. Once we've seen your payment history and built a working relationship, the trust we've earned together translates into stronger offers, faster decisions, and more flexibility on structure. The first deal proves the fit; every deal after gets easier.
