Revenue Based Financing in San Jose
$25,000 – $5,000,000 priced against your trailing revenue.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
What it is and how it works in San Jose
Revenue based financing (RBF) provides capital to a San Jose business in exchange for a fixed percentage of monthly revenue until a multiple of the advance is repaid. It's the right tool for SaaS, ecommerce, and subscription businesses that don't fit traditional cash flow underwriting but have predictable recurring revenue.
A non dilutive growth capital product where the lender advances a lump sum and collects a fixed share of monthly revenue (typically 2%-10%) until a contracted multiple (typically 1.2x-1.5x) is paid.
How Revenue Based Financing works
- 1
Connect bank, payment processor, and accounting data.
- 2
Lender models trailing revenue, growth rate, and unit economics.
- 3
Term sheet specifies advance, revenue share %, and total multiple.
- 4
Funds wire in 1-3 weeks.
- 5
Monthly remittance based on prior month revenue.
Benefits
Capital without giving up cap table ownership.
Repayment scales down in slow months.
SaaS, subscription ecommerce, marketplaces qualify even pre profit.
Up to $5M for $1M+ ARR companies.
Qualification requirements
- $15K+ in trailing monthly revenue
- 12+ months of operating history (less for some lenders)
- Predictable recurring or repeat revenue
Documents typically required
- 12 months of bank statements
- Payment processor data
- 12 months P&L
How San Jose businesses use Revenue Based Financing
A Sugar House DTC apparel brand funds $300K in inventory, repaid at 7% of monthly Shopify revenue.
A Silicon Slopes SaaS startup at $80K MRR raises $1M in non dilutive RBF instead of opening a priced round.
A Provo subscription box company funds $150K of marketing spend, repaid from new subscriber revenue.
California's Silicon Slopes corridor has produced more bootstrap friendly SaaS founders per capita than almost anywhere in the country. RBF lets those founders fund growth without trading equity.
