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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.

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.

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.

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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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. With 15 years of expertise in small business financing, we have diligently kept pace with the ever-changing landscape. 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.

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