How revenue-based financing works
Instead of selling equity, you receive capital and repay it as a set percentage of revenue until a fixed cap (typically 1.3–2x) is reached. Payments flex with your revenue, easing pressure in slow months.
Growth capital repaid from revenue
Revenue-Based Financing for Startups
Revenue-based financing (RBF) gives founders growth capital repaid as a fixed percentage of monthly revenue — no board seats, and in many cases no personal guarantees. Bootstrap Directory tracks RBF providers and programs so you can fund growth on your terms.
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Sources include Grants.gov, SAM.gov, SBIR.gov, CareerOneStop, state agencies, universities, and verified organizations.
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Featured funding opportunities
Microloans
U.S. Small Business Administration
RBFFEDERALEquity-Free
$50,000Rolling
Verified Oct 24, 2026
504 Loan Program
U.S. Small Business Administration
RBFFEDERALEquity-Free
Amount variesRolling
Verified Oct 24, 2026
NJ: Garden State C-PACE Program
New Jersey Economic Development Authority
RBFSTATEEquity-Free
Amount variesRolling
Verified Sep 13, 2026
Investment capital
U.S. Small Business Administration
RBFFEDERAL
$10,000,000Rolling
Verified Oct 24, 2026
7(a) loans
U.S. Small Business Administration
RBFFEDERALEquity-Free
$5,000,000Rolling
Verified Oct 24, 2026
Lighter Capital — Revenue-Based Financing for Tech
RBFPRIVATEEquity-Free
$4,000,000Rolling
Verified Oct 24, 2026
Decathlon Capital — Revenue Share Financing
RBFPRIVATEEquity-Free
$5,000,000Rolling
Verified Oct 24, 2026
Wayflyer — Revenue-Based Financing for E-Commerce
RBFPRIVATEEquity-Free
$20,000,000Rolling
Verified Oct 24, 2026
Pipe — Turn Recurring Revenue into Upfront Capital
RBFPRIVATEEquity-Free
$5,000,000Rolling
Verified Oct 24, 2026
Who RBF is best for
RBF suits startups with predictable, recurring revenue — SaaS, e-commerce, and subscription businesses — that want to fund growth without diluting ownership or qualifying for traditional bank loans.
RBF vs. equity vs. loans
RBF preserves ownership like a loan but flexes with revenue like equity. It's faster than venture rounds and often more accessible than bank debt, though the effective cost can be higher than a low-interest loan.
How we keep listings useful
Providers and programs are published with application URLs, terms, and eligibility where available, and inactive offers are removed from public results.