Financing Solutions

Revenue Based Financing

Flexible Capital That Moves With Your Business. Revenue based financing gives businesses immediate access to capital in exchange for a fixed percentage of future gross revenues. It is not a loan. There is no compounding interest, no fixed monthly payment, and no collateral required.

Not a Loan
No Compounding Interest
24 Hours
Fast Funding Available
Daily / Weekly
Flexible Remittance
✓ Not a loan — no compounding interest
✓ No fixed monthly payment required
✓ No collateral required
✓ Funds wired to your business bank account in as fast as 24 hours
Get Funding Options
No hard pull. No obligation. Complete the quick pre-qualification form in just a few minutes.
Your information is secure and never sold. One application. One initial review. Funding options evaluated based on your business profile.

How It Works

Novus Business Funding purchases a fixed amount of your future receivables at an agreed upon factor rate. Remittance adjusts naturally with your revenue.

Purchase of Future Receivables
Novus Business Funding purchases a fixed amount of your future receivables at an agreed upon factor rate. The total amount owed is established at approval and does not change.
Direct Bank Wire
Once approved, funds are wired directly to your business bank account. No waiting on checks or manual transfers.
Revenue-Based Remittance
Remittance is collected daily or weekly as a fixed percentage of your gross revenue deposits until the full purchased amount is paid in full.
Pays Down With Your Volume
When revenue is strong, you pay down faster. When volume dips, remittance adjusts naturally with it. No penalties for slower periods.
No Fixed Monthly Payment
Unlike a traditional loan, there is no fixed monthly obligation. Remittance is proportional to your revenue deposits, keeping cash flow predictable.
No Collateral Required
Revenue based financing is backed by your future receivables, not personal assets or real estate. No collateral is required to qualify.

How It Differs From a Traditional Business Loan

A traditional business loan charges compounding interest on a fixed monthly schedule regardless of how your business is performing. Revenue based financing works differently.

No Compounding Interest
Revenue based financing has no compounding interest. The total cost is determined upfront through a factor rate and does not change regardless of how long repayment takes.
Fixed Factor Rate
A factor rate is applied at the time of approval. It does not increase over time. The total repayment amount is disclosed in full before you sign anything.
No Early Payoff Penalty
There is no penalty for paying off early and no balloon payment at the end. Pay down the purchased amount at whatever pace your revenue allows.

Who It Is Built For

Novus Business Funding works with operating businesses at every stage of growth. Revenue based financing works best for businesses that:

✓
Have been operating for at least six months with consistent revenue deposits
✓
Need capital quickly without the documentation requirements of a traditional bank loan
✓
Want a repayment structure tied to business performance rather than a fixed calendar schedule
✓
Do not want to give up equity or put up personal collateral

What It Costs

Revenue based financing uses a factor rate rather than an annual percentage rate. The total cost is fixed at approval and fully disclosed before you sign anything.

Factor Rate, Not APR
A factor rate is a fixed multiplier applied to the funded amount at the time of approval. It does not compound and does not increase over time.
Fixed at Approval
The total repayment amount is determined when your funding is approved. It does not change based on how long repayment takes or how your business performs.
Full Disclosure Upfront
The total repayment amount is disclosed in full before you sign anything. No hidden fees, no surprise costs, and no balloon payment at the end.

How to Apply

The application process is straightforward. Most businesses can pre-qualify in minutes with minimal documentation.

✓
Three months of business bank statements
✓
A completed application
✓
Government issued ID
✓
No hard credit pull to pre-qualify

Novus Business Funding reviews your application and responds within 24 hours. If approved, funds are wired to your business bank account the same day or the next business day.

Revenue Based Financing Questions

Ready to Review Your Options?
Complete the 3 Minute Quick Pre-Approval Form. No hard credit impact. No obligation.
Get Funding Options ↗
Or call us directly at (800) 679-3386
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