How much revenue-based financing can my business qualify for?

Lyft Capital offers revenue-based financing options up to $500,000, subject to application review, business revenue, and approval.

Do I need perfect credit to qualify for revenue-based financing?

No. Revenue-based financing can be available to business owners with imperfect credit because eligibility is based heavily on business performance and revenue.

How fast can I get funded?

Pre-approval may be available in minutes, and funding may be available within 24 hours after approval and review. Timing is not guaranteed and depends on the application and documentation.

What can revenue-based financing be used for?

Businesses commonly use revenue-based financing for working capital, inventory, payroll, marketing, equipment, seasonal expenses, and growth opportunities.

Lyft Capital Revenue Based Financing

Q: What is revenue-based financing?

Revenue-based financing is a flexible small business funding option where repayment is based on a percentage of future revenue instead of a fixed monthly loan payment.

Secure the working capital you want based on your business revenue and not your personal credit score.

Quick and Affordable Financing For Your Business:

Funding up to $1M
Terms up to 2 years
Competitive industry rates
Simple 1 page application
Funding as soon as the next day

Minimum Requirements:

$200K annual revenue
6 months in business

How Revenue-Based Financing Works

1. Apply

Complete a simple application and share basic business revenue details so a financing specialist can review your options.

2. Get Approved

Review revenue-based financing options built around your sales volume, not only your personal credit score.

3. Get Funded

If approved, access working capital quickly, with funding available as soon as the next business day after final review.

Get Pre-Approved — Won’t Affect Your Credit Score

Take on your next business challenge with revenue
based financing from Lyft Capital

Consistent revenue and healthy sales history should be given the credit they deserve. Traditional business loans might not be the ideal choice for every business scenario. With stricter approval standards, minimum credit score requirements, and extended processing and approval timelines, there are occasions when opting for a traditional business loan simply doesn’t seem feasible.

What makes a revenue based financing worth considering?

There are times when you require $40,000 to increase your inventory or $75,000 to take advantage of a growth opportunity. Emergencies such as equipment needing repair, a leaking roof, or being short on materials for a project demand swift access to cash for an immediate resolution. Moreover, if you operate in an industry that traditional lenders find challenging to comprehend, consider too risky, or your credit score has taken a hit lately, you may face automatic declines. In such diverse situations and many others, revenue-based financing emerges as the vital source of working capital you require to keep your business thriving.

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Comprehensive Underwriting

In contrast to conventional loans, having a lower credit score won’t automatically disqualify you. Revenue-based Financing assesses your business’s overall stability and success. Revenue-based financing imposes minimal industry restrictions, and our financing specialists are well-versed in the intricacies of industries often denied by traditional loans.

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Personal Safety

Revenue-based financing stands out as one of the few business financing options that limit the personal exposure of business owners, focusing on the business itself rather than personal assets or credit scores during underwriting decisions. No absolute personal guarantees are demanded, and your home won’t serve as collateral.

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Streamlined Process

Because your sales history carries significant weight in the approval process, minimal documentation is required. With minimal documentation needed, the underwriting process can be exceptionally swift. Once approved, funds can be in your bank account within 24 hours.

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Call us (888) 224-7736

Monday through Friday from 9:00AM to 7:00PM EST

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and support your business growth

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Fast Quotes

Explore options you may pre-qualify for with Lyft Capital Funding solutions.

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Speak with Our Team

We are always on standby to help clarify or get started on your funding selection.

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Our passion is helping you succeed

Lyft Capital is all about your business growth.

Why choose us

Choose us for unparalleled expertise, personalized solutions, and a commitment to your success. Experience top-notch support and strategic guidance for lasting results.

1.

Taking The Headache Out of Business Financing

Navigating the vast sea of business financing information online can be overwhelming. Identifying accurate information, trustworthy lenders, and the right financing option for your needs may seem like an insurmountable challenge. Our mission is to cut through the noise. Founded in 2016, Lyft Capital has helped small businesses across the country access the working capital they need to grow. Our team brings 20+ years of combined experience in business lending. Our financing specialists possess comprehensive knowledge of each financing product, understanding how they work and the optimal scenarios for their application.

2.

Bridging the Gap Between Data and Human Insight

While we appreciate and leverage data, we recognize that businesses are driven by human decisions. Often, a purely data-driven approach may not be the most suitable course of action. That’s precisely why we adopt a consultative strategy when assisting small businesses in their quest for financing. We actively engage in listening to your unique situation, gaining a comprehensive understanding of your needs, and prioritizing your preferences regarding the type of funding you seek. Our goal is to put your mind at ease by guiding you to the most fitting financing solution for your business.

3.

Unveiling Financial Transparency

With Lyft Capital, there are no smoke and mirrors – what you see is what you get. Placing our customers’ best interests at the forefront, we uphold transparency in every aspect of the application and funding process. At Lyft Capital, our core principles revolve around transparency, fairness, and integrity. This commitment empowers business owners to make informed financial decisions, ensuring the prosperity of their businesses.

Revenue-Based Financing FAQs

What is revenue-based financing?

Revenue-based financing gives small businesses access to working capital based primarily on business revenue. Payments are structured around future receivables or sales activity, which can make it useful for owners who need flexible capital and may not qualify with a traditional bank.

How fast can Lyft Capital provide funding?

Pre-approval may be available in minutes. If approved after review, funding may be available within 24 hours or as soon as the next business day, depending on the application, documentation, and funding agreement.

Does revenue-based financing require perfect credit?

No. Revenue-based financing is often considered by business owners with strong revenue but imperfect credit. Lyft Capital reviews business performance, revenue, time in business, and other factors to help identify available options.

How much revenue-based financing can I request?

Lyft Capital offers revenue-based financing options up to $500,000 for qualified businesses. Available amounts depend on business revenue, approval review, and the terms presented in the funding agreement.

Google Reviews

Get the funding your business needs today, with Lyft Capital.

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       Posted on Google  
   
   Chosen One 
 
 
 
 Trustindex verifies that the original source of the review is Google. Looking for a dependable and professional loan agent who is no nonsense and will fight for you, Jose at Lyft is the way to go. Smoothest process I ever could’ve expected. Way to go Jose! Thanks brother.
  
 
      Posted on Google  
   
   JBass 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kevin was Great, excellent customer service
  
 
      Posted on Google  
   
   Tony O the Motivator 
 
 
 
 Trustindex verifies that the original source of the review is Google. Five star came in the clutch! Worked really hard to make it happen
  
 
      Posted on Google  
   
   Karina Capozzelli 
 
 
 
 Trustindex verifies that the original source of the review is Google. I haven’t used a Zak Preston from Lyft Capital for the second time and once again exceed my expectations. Zak is respectful with our time as we have a pretty chaotic business, And instructions was really clear which made the process fast and easy ! Highly recommend!
  
 
      Posted on Google  
   
   michael cotto 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐️ Very Disappointing Experience
I provided all of the information requested and was told that someone would call me back within 15–20 minutes. I never received a call back.
I followed up numerous times by phone and email trying to get a response or even a status update, but I have either received no response or been unable to get anyone to answer.
Communication and follow-through are extremely important, and unfortunately, my experience was very disappointing. If you value your time, I would think twice before using this company. Don’t waste your time.
  
 
      Posted on Google  
   
   Sakinah Jacobs 
 
 
 
 Trustindex verifies that the original source of the review is Google. I originally left a “five star” review based on my initial experience, but after learning more about the terms of my merchant cash advance, I felt it was important to update it.

The biggest surprise was discovering that there was no early payoff benefit. In my case, the fee was $9,000, and even if I had paid it off within days or a week of receiving the funds, I still would have had to pay that full $9,000. That was completely unexpected and very different from what I had experienced with other cash advances over the past 11 years.

To put that into perspective, if I requested a payoff today, only about two weeks after receiving the funds, my payoff would be the same as if I waited until the full 15-month maturity date. That was shocking to me and something I never expected. I had never encountered a financing arrangement where paying off the balance almost immediately resulted in the exact same payoff amount as paying it off over the full term.

I’m sure this information was disclosed somewhere in the agreement, but I relied on my understanding of previous merchant cash advances and trusted that the key terms would be explained in a straightforward way. I had established what I believed was a great working relationship with the person helping me, and because of that trust, I didn’t feel the need to scrutinize every line of the agreement. Looking back, that was my mistake.

If there is one lesson I hope others take from my experience, it’s this: even if you completely trust the person you’re working with, even if you’ve built a great relationship with them, read every page of the agreement yourself. Don’t assume they’ll point out the most important terms. Ask specifically whether there is any early payoff discount or reduction, and ask them to show you exactly where that provision appears in the documents before you sign. Don’t be afraid to ask more questions than you think you need to. It could save you thousands of dollars.

For me, this experience completely changed how I view merchant cash advances. I don’t expect to use one again, and I hope sharing my experience helps someone else avoid the surprise that I experienced.
  
 
      Posted on Google  
   
   Ava Williams 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony Clark is awesome. Always great to work with!
  
 
      Posted on Google  
   
   Margaret Rose 
 
 
 
 Trustindex verifies that the original source of the review is Google. Recently worked with Tony. He was extremely efficient and friendly. He helped walk me through all the steps with ease, ending in a great experience with even better results.
  
 
      Posted on Google  
   
   Rebecca 
 
 
 
 Trustindex verifies that the original source of the review is Google. Terrible company untrustworthy, they use fake phone numbers to trick you into answering, they spam call all day and promise you a business line of credit just to come back to you with a 40 percent MCA loan!!
  
 
      Posted on Google  
   
   Sherrie Ramsay 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony is amazing!! He listens to help find just the right product for our needs!!