How it works
Revenue-based financing provides capital in exchange for an agreed share or scheduled delivery of future receipts. The term is often used interchangeably with merchant cash advance, but structures vary by funder and contract.
Financing Options
Revenue-Based Financing
Capital structured around business receipts can align funding with sales activity. The agreement—not the product label—determines whether remittances actually fluctuate with revenue.
Product Overview
Capital with a clear purpose
Companies with documentable recurring revenue and a specific plan for deploying capital without compromising ordinary operating expenses.
Synergy Capital helps business owners explore financing options and understand the structure presented. Structures vary; some are receivables-based and are not traditional loans. Availability, amounts, pricing, and terms depend on underwriting and the funder’s approval and are not guaranteed.
Select programs use an owner performance guarantee (also called a validity or performance guaranty) rather than a full personal guarantee of repayment. It generally covers the owner’s representations and covenants under the agreement—not an absolute promise to repay if ordinary business receipts decline. Availability is subject to qualification and underwriting.
Repayment
Payments may be a percentage of receipts or fixed ACH debits subject to a reconciliation right. Review the reporting duties, true-up timing, and what happens during a slow period. Do not assume payments fall automatically when sales fall.
Cost
Compare the amount received, the total to be delivered, fees, and the anticipated duration. A higher-speed structure can have a meaningfully different annualized cost from a longer-term loan, even when the dollar fee looks manageable.
Common business uses
A sound use of proceeds connects the financing to a specific operating need and a credible repayment plan.
Seasonal preparation
Purchase inventory or add temporary staffing ahead of a documented busy period.
Marketing with measurable intent
Finance a campaign with a budget and a method for evaluating its return.
Fulfill new demand
Cover supplies or labor tied to an order, with the contract and payment timing in view.
Diligence
What to review in the agreement
These questions help you compare actual obligations, not just headline amounts. Request the final documents and take time to review them before signing.
Read the related guide →- Definition of receipts included in the agreement
- Percentage, fixed debit, and reconciliation mechanics
- Total dollar cost and any origination or administrative charges
- Expected term under different sales scenarios
- Whether a performance guarantee or a full personal guarantee is required
- Renewal incentives and the impact of additional obligations
Compare Options
Another structure may fit differently
No single product is best for every business. Compare the intended use, cost, repayment, collateral, and time horizon before choosing.
Illustrative information only. Availability, amounts, pricing, fees, and terms vary and are set after underwriting. Nothing on this page is an offer, commitment, or guarantee of approval or funding. Financing, if arranged, is provided by Synergy Capital or its funding partners. See Terms & Disclosures.
Discuss Your Next Move
Tell us what you want to accomplish. We will help you evaluate the available structure, cost, and repayment before you decide.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.