REVENUE-BASED FINANCING

Flexible repayment based on your revenue

Enjoy a stress free loan with no fixed repayment schedule. Repay in proportion to your revenue.

Get funded up to 3x your
monthly revenue
Get up to $10,000,000 in loan
amount
Low Fees with no collateral
As low as 8-15% of the principal
amount.
Flexible Repayment based on
your revenue
Repay as little as 10% of your revenue,
fret no more with lull months.

Explore Revenue-based Financing options from our leading lenders

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What is Revenue-based Financing?

Revenue based financing as the name goes is a loan whose repayment is pegged to the monthly revenue of the company. This is a flexible form of repayment as you repay less when your revenue is low and repay more when your revenue is higher, reducing the stress on companies during a slower than usual month. It is also good for new companies who are able to show good record of existing revenues. This can be obtained through your sales record on your POS system, e-commerce network like Shopify , Stripe, or even delivery platforms (e.g. Grab or Deliveroo)

How does it work?

Loan disbursement is typically the same as a business term loan which is  unsecured with a maximum loan amount of up to 3x of your monthly revenue. The key difference is in its repayment and you can see below for a quick example of how flexible a revenue based financing can be.
Example:
Shally runs a Peranakan cafe in Tanjong Pagar that does both dine-in and delivery orders on Grab Food. She also sells her packaged chilli sauce on Shopee. As such, all her revenue can be easily tracked via her POS system in store, Grab app and on Shopee. With a total monthly revenue is $50,000 and her business was extended a revenue based loan based with the following terms.
Funding amount on day 1
Flat Fee added to principal (10%)
Repayment per month
Processing Fee (3%)
S$100,000
S$10,000
20% of revenue per month
S$3,000 upfront
Repayment Schedule:
Month
1
2
3
4*
5
6
7
8
9*
10
11
Revenue
S$60,000
$80,000
$20,000
$110,000
S$80,000
S$50,000
S$60,000
S$15,000
S$50,000
S$50,000
Repayment (20% of revenue)
S$12,000
S$16,000
S$4,000
S$22,000
S$16,000
S$10,000
S$12,000
S$3,000
S$10,000
S$5,000
Outstanding Balance
S$110,000
S$98,000
S$82,000
S$78,000
S$56,000
S$40,000
S$30,000
S$18,000
S$15,000
S$5,000
-
Looking at months 4 and 9 where revenue was $20,000 and $15,000 respectively, repayment was only $4,000 and $3,000 respectively.

Why choose Revenue-based Financing?

No hidden surprises
No hidden cost. Know your full cost
upfront.
Dilution Free
Fund your business without dilution, control or loss of board seat.
Collateral Free
No need for collaterals or even guarantee.
Rely on your
track record
Borrow based on your revenue records on your POS, Payment Gateway or delivery apps.
Save Time
Skip a visit to a physical front, enjoy a 100% online application
Collaborative Lenders
Lenders have a vested interest in getting your revenue up as soon as possible.

Eligibility

Eligibility

Business registration
Incorporated in Singapore (including LLP, Sole proprietorship)
Business ownership
At least 30% of the company owned by Singaporeans / PR
Credit of shareholders
No existing default records
Time in operations
At least 3 months of operating revenue

Receive up to $100 worth of vouchers when you apply for your Revenue-based Financing with us.

How to apply

Apply for your loan through Lendingpot to be directly connected to 45 different possible lenders.
Apply on our website
Complete Verification with Loan Specialist
Case gets listed on marketplace
Lenders reach out on offers
Get funding

Why get your property loan through Lendingpot?

Why get your Revenue-based Financing through Lendingpot?

A team that will support you

We have a dedicated team that will walk you through your entire loan process and help you do the market research you need.

We let lenders compete for your loan

Be ready to be spoilt for choice when we help you compare the best deals across all banks and non-banks so you only get the lowest interest rate and the highest cash out amount. Our rates are same as what the banks can offer or even better.

It’s Free! Plus get Rewards!

We do this entirely without cost to you. However our lenders pay us a referral fee to let them compete and win your business. Hence, you can be assured that our advice is unbiased and true to you.  Additionally, we give rewards to our members when they get a loan as a way to share our joy.

Why get your Revenue-based Financing through Lendingpot?

A team that will support you
We have a dedicated team that will walk you through your entire loan process and help you do the market research you need.
We let lenders compete for your loan
Be ready to be spoilt for choice when we help you compare the best deals across all banks and non-banks so you only get the lowest interest rate and the highest cash out amount. Our rates are same as what the banks can offer or even better.
It’s Free! Plus get Rewards!
We do this entirely without cost to you. However our lenders pay us a referral fee to let them compete and win your business. Hence, you can be assured that our advice is unbiased and true to you.  Additionally, we give rewards to our members when they get a loan as a way to share our joy.

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FAQS

What do I need to prepare for a revenue-based loan?
How long is the application process like?
How do you calculate the actual effective interest on your revenue-based loan?

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