Revenue Based Financing in Green Bay, WI
Revenue based financing in Green Bay lets your business repay a cash advance through a fixed percentage of daily or weekly sales, not a rigid monthly payment.
Revenue based financing in Green Bay lets your business repay a cash advance through a fixed percentage of daily or weekly sales, not a rigid monthly payment.
Revenue based funding advances capital to your business in exchange for a percentage of future sales until the advance plus a fixed fee is repaid. Instead of owing $5,000 every month regardless of performance, you remit perhaps 8-15% of daily credit-card receipts or weekly bank deposits. When sales climb during Green Bay Packers home-game weekends or the summer festival season, you pay faster; during January lulls, remittances shrink automatically, preserving cash flow for payroll and inventory.
Because repayment ties directly to revenue, underwriters focus less on FICO scores and more on consistent sales history, typically reviewing three to six months of bank statements or merchant-processor records. Most programs require at least $10,000 in monthly revenue and six months in business, though some providers work with newer companies showing strong traction.
Why us
Revenue based business funding suits Green Bay operations that experience predictable seasonality or rapid growth spurts. A tavern on Washington Street sees packed houses during football season but slower mid-week traffic in spring. A landscaping supplier in Ashwaubenon books heavy orders April through October, then coasts until March. A boutique on Broadway in De Pere spikes during the holidays but needs working capital in February to restock for spring. Traditional term loans demand the same payment whether you sold $50,000 or $15,000 that month; revenue based lending adjusts automatically.
Startups and businesses rebuilding credit also turn to RBF when banks decline. Because the advance is secured by future receivables rather than hard collateral, underwriters weigh cash flow over assets. That said, the effective cost of capital is higher than SBA 7(a) loans or bank lines, so revenue based financing companies typically make sense for short-term needs, bridge funding until a larger refinance closes, inventory buys ahead of peak season, or emergency equipment repair.
As a licensed commercial-loan broker, Myrtle Business Capital shops your file across multiple revenue based lenders to find terms that match your cash-cycle reality. We start by reviewing recent bank statements and processor reports to document average daily sales, then model how different remittance percentages affect your working capital during slow weeks.
A Howard-based catering company approached us needing $40,000 to purchase a second refrigerated van before wedding season. The owner had been in business eighteen months, too new for most banks, but processor data showed steady weekend revenue and strong deposit consistency. We placed the file with a revenue based financing provider that structured daily ACH remittances at a percentage low enough to preserve cash for ingredient orders, and the van was delivered in time for May bookings.
While asset based lending advances against tangible collateral like equipment or receivables, revenue based loans rely on sales velocity. Businesses in Green Bay, WI and surrounding communities, Allouez, De Pere, Ledgeview, Howard, Hobart, Oneida, and Suamico, use RBF for:
- Inventory purchases before peak retail or tourism seasons - Marketing campaigns that require upfront spend with delayed ROI - Equipment repairs that can't wait for a 60-day bank approval - Staffing ramp-ups when a new contract demands immediate hiring
Because repayment is automatic, funds are debited daily or weekly from your merchant account or checking account, there's no risk of missing a due date, and you avoid the personal-guarantee pitfalls common in unsecured working capital products.
Loan programs
Revenue based business loans occupy a middle tier: faster and more flexible than SBA programs, less expensive than pure merchant cash advances, and easier to qualify for than commercial real estate loans. If your credit is strong and you can wait four to eight weeks, business lines of credit or equipment financing will cost less. If you need cash in days and your revenue is verifiable, RBF bridges the gap.
Reach Myrtle Business Capital at (920) 269-9402 or visit our office at 700 Pilgrim Way, Green Bay, WI 54304 to discuss whether revenue based lending fits your cash-flow pattern and growth timeline.
Serving the Green Bay area
We know which lenders fund which kinds of Green Bay businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Green Bay owners trust Myrtle Business Capital