← Capital field guide

Revenue tide / growth edition

Payments follow sales. Total repayment still needs a shoreline.

An interactive revenue-tide model for financing tied to receipts: see how remittance speed changes across strong, ordinary, and soft months.

Educational working model only. Not an offer, approval, or promise of funding.

Six-month revenue tideRemittance / 10%
$4,960
M1
$6,880
M2
$8,000
M3
$9,440
M4
$5,920
M5
$10,560
M6
Purchased amount modeled$97,600
A softer month can lower a percentage remittance while extending duration.
A / Connected revenueHigh month
B / Remittance shareBase month
C / Purchased amountSoft month
01 / 05
Use map

Give the capital a job before giving it a payment.

Choose a use. The operating question changes with the job—not with a generic “best for” badge.

Selected job / C1

Measurable acquisition

Marketing or inventory tied to visible contribution and payback.

Owner test

Name the event that creates repayment—and what happens if it arrives late.

Operating sequence

CapitalMeasurableReturn
The useful question

What survives if the middle step takes longer than planned?

02 / 05
Revenue tide

Move the assumptions. Watch the obligation move back.

Model a hypothetical purchased amount using a factor and a share of monthly revenue.

This deliberately simplified model excludes provider-specific fees, timing conventions, taxes, penalties, variable rates, reconciliations, and contract terms unless explicitly entered.

Working-model readout

$8,000

Base-month remittance
Purchased amount$97,600
Cost above capital$17,600
Modeled months12.2 months
Operating pressureMeasured
03 / 05
Pressure test

Turn the uncomfortable part into the first question.

These are not accusations about a provider. They are recurring decision gaps worth resolving in the actual offer and agreement.

What owners can miss

Flexible is not free

A smaller remittance in a soft month may extend the time to completion.

Put this in writing

What is the purchased amount or repayment cap?

04 / 05
Comparison file

The offer is a system of obligations—not a headline number.

Put the same fields beside every option before deciding. Blank cells are questions, not permission to guess.

F-01Cash deliveredLocate · compare · verify
F-02Every feeLocate · compare · verify
F-03Payment rhythmLocate · compare · verify
F-04Total repaymentLocate · compare · verify
F-05Collateral scopeLocate · compare · verify
F-06GuaranteesLocate · compare · verify
F-07Early exitLocate · compare · verify
F-08Default triggersLocate · compare · verify

A complete comparison still cannot replace the final documents or professional advice appropriate to the transaction.

Check my Revenue-Based Financing options →
05 / 05
Plain answers

Revenue-Based Financing, without the sales fog.

Structures and provider requirements vary. The signed agreement and applicable disclosures control.

01Is revenue-based financing a loan?+

Structures and legal treatment vary. Some are framed as purchases of future receivables; others may function differently. Read the actual agreement and disclosures.

02What makes the payment flexible?+

Some structures calculate remittance as a percentage of receipts. The reconciliation process, minimums, debits, and revenue definition in the agreement determine how flexible it is in practice.

03What should I compare?+

Compare capital received, purchased amount or total repayment, remittance percentage, expected duration, reconciliation, fees, guarantees, collateral, and early-completion treatment.

Model understood / potential paths next

Make the financing explain itself before your business has to carry it.