Revenue-Based Financing
STAC: Success Through Alternative Capital
A Powerful Revenue-Based Financing Initiative for Small Businesses
Success Through Alternative Capital (STAC) funding is ideal for businesses with at least two years of sales history in a business bank account and are interested in making payments that fluctuate with their revenues.
STAC’s revenue-based financing (RBF) allows small businesses to pledge future revenues for an advance of financial capital. Payments can vary depending on how well a business does and its gross revenues after receiving funding. Businesses have higher payments when they are generating more revenues and lower payments when they are generating less revenues, an arrangement that can be especially useful for seasonal businesses.
STAC Revenue-Based Financing
Flexible financing for small businesses that fluctuates with your cash flow.
Success Through Alternative Capital (STAC) funding is ideal for businesses with at least two years of sales history in a business bank account, and are interested in making payments that fluctuate with their revenues.
Product: | Revenue-Based Financing |
Time in Business: | At least 2 Years |
Advance Amount: | Up to $50,000 |
Term: | Projected repayment period of 3 – 5 years |
Repayment Cap: | 1.24x |
Fee: | One-time 28% fee |
Processing Time: | 1 – 2 Months |
Payment Type: | Fluctuates with Revenue |
Collateral Required: | None to apply but a lien will be placed on all business assets |
Requirement: | Must be operating out of a business bank account |
How Does Revenue-Based Financing Work?
Revenue-Based financing allows a business to pledge future revenues for an advance of financial capital. This funding method is non-dilutive, which means you keep all your ownership.
The business pays back the funding they received (the amount of purchased revenue) plus a fixed fee (discounted amount).
Revenue-Based Financing (RBF) eligibility is determined by looking at the business revenues. The business owner pays back the funding they received (the amount of purchased revenue) plus a fixed fee (discounted amount) over time based on the cash flow of the business.
RBF repayments are variable and fluctuate based on revenues. Businesses have higher payments when they are generating more revenues and lower payments when they are generating less revenue, an arrangement that can be especially useful for seasonal businesses.
With term loans, business owners are obligated to make the same payment amount each month whether the business is making money or not. With RBF, the payment amount fluctuates with your cashflow.
Application process
Not ready to apply, and need a little extra support?
Contact us directly at [email protected] or call (520) 529-1766 with any questions.
Our team offers bilingual support, personalized one-on-one guidance, and relationship-centered assistance to help you understand your business finances, strengthen your loan readiness, and navigate capital options with confidence. We regularly visit our clients throughout Southern Arizona, provide free classes and technical assistance, and can connect you with a wide network of community partners and resource referrals. No one should have to build their business alone.
What is stac and Revenue-Based Financing (RBF)?
How Will StaC work for a
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Ned, a financial technology platform that powers end-to-end revenue-based financing (RBF), offers a flexible capital product that’s easier on businesses, and streamlines paperwork and compliance for lenders.
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