Answer: Revenue based financing in Cary ties loan repayment to a fixed percentage of your monthly gross sales, rising and falling with revenue.
Revenue based funding advances capital against future sales, not physical assets. The funder reviews your merchant processor statements, bank records, and accounts-receivable aging to estimate monthly inflow. You receive a lump sum, then remit a fixed percentage, often 5 to 15 percent, of daily credit-card or ACH revenue until the total obligation is satisfied. When sales dip, payments shrink; when receipts surge, you retire the advance faster.
This structure suits Cary businesses with thin balance sheets but consistent top-line growth: digital agencies serving Research Triangle clients, franchise quick-service restaurants in Waverly Place, or e-commerce wholesalers shipping from Apex-Cary flex warehouses.
Funders typically require at least six months of operating history, minimum monthly revenue thresholds, and evidence of recurring sales. Startups with erratic income struggle; established service providers with predictable billings thrive. Personal credit matters less than transaction volume, so founders rebuilding credit after prior setbacks often find revenue based lending more accessible than SBA 7(a) or conventional term debt.
Companies deploy revenue based business funding for inventory buys before seasonal peaks, digital-marketing campaigns, hiring surges, or bridge capital between contract awards and receivables collection. A Morrisville IT consultancy might use RBF to cover payroll while awaiting a county-government contract payment; a Holly Springs franchise owner might fund a second location's build-out when equipment-financing lenders balk at the lease term.
How it works
Call (919) 336-9474 or visit our office at 500 Gregson Dr, Cary, NC 27511 with six months of bank statements and merchant-processing reports. We compare revenue based financing companies against working capital lines, invoice factoring, and hybrid structures, modeling cash-flow impact under different sales scenarios. Our brokerage vets multiple funders simultaneously, so you see competing offers side by side and choose the remittance percentage and holdback that preserve operating liquidity.
We serve Cary, Apex, Morrisville, Holly Springs, Fuquay-Varina, Garner, and New Hill. Learn more about our service areas and how local economic cycles shape program fit.
Serving the Cary area
We know which lenders fund which kinds of Cary businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
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