Revenue Based Term Loans

Borrow between $50,000 and $3,000,000 without the requirement of equity or perfect credit. Purchase inventory, acquire assets such as equipment, machinery, aircraft and vehicles, open in another location, hire a new sales team, start a marketing campaign, buyout a partner, or acquire another company. Lending is based on the revenue of your business or the company you are buying.

A profitable US Company with a minimum of $500,000 in annual gross revenue can easily qualify for credit, available as a short term loan and obtainable in 6, 9, or 12 month increments. Funds can be accessible in the Company account within 72 hours of processing completion without taking an equity position in the Company, and without the requirement of perfect credit. Capital must be utilized for expanding the existing business in a defined direction.

A deposit and processing fee is payable to the lender only after the client and lender have established a working relationship, performed initial due diligence, negotiated specific terms and conditions and have executed a mutually agreed upon term sheet.

Upon completion of processing, a full set of loan documents will be issued to the client and once executed, funds will be wired to a client designated account. The lender will typically deduct two points from proceeds at closing.

To review the advantages that a RevCap Loan has as one of the three basic financing options available to business owners, click here

To review a narrative on the benefits of utilizing a RevCap Loan when compared to the long term cost of Equity Capital titled "Equity Capital or Debt Financing for Business Growth?" click here


RevCap, also known as revenue and/or royalty based financing, a short term debt product, is a flexible method of attaining growth capital that has numerous advantages when compared to equity capital, merchant cash advances, purchase order financing and factoring.

  • From $50,000 to $3,000,000 within 30 days of application
  • Based on the annual gross revenue of the company
  • Streamlined underwriting process with minimal paperwork
  • Choose either a 6, 9 or 12 month term
  • No perfect credit requirements
  • No equity requirements
  • No lengthy loan process


Some Applications for a RevCap Loan

  • A growth opportunity in which you need funding quickly
  • Funding the acquisition of an established and profitable company
  • As a much less expensive option than an equity investment
  • The need to hire additional sales people to expand geographically
  • A new, large customer requires an increase in production capacity
  • A new product creates the need for development capital
  • Pay off higher cost debt from existing merchant cash advance deals


Advantages of a RevCap Loan to Equity Capital

                                                             RevCap Loan     Equity Capital

  • Days needed to fund                            30                         90+
  • Valuation of company required             no                         yes
  • Personal guarantees                           yes                         yes
  • Fixed payment amounts                      yes                         no
  • Equity dilution                                       no                         yes
  • Loss of control                                      no                         yes
  • Alignment of interests                          yes                         no
  • Market opportunity required                  no                         yes
  • Tax deductible costs                            yes                         no
  • Targeted costs of capital                  2X return               5X return


Cost Comparison of RevCap Loan to Equity Capital

ABC Company Inc has $2,000,000 in annual gross revenue and is looking to raise $200,000 for a growth opportunity.

As evident below, the cost of a RevCap Loan is far less than the cost of an Equity Investment at 36 months and beyond, and does not involve giving up management control or ownership of your company.

      RevCap Loan   Equity Capital

  • $2,000,000      $2,000,000       Annual Gross Revenue
  • $   200,000      $   200,000       RevCap Loan or Equity Investment
  • $     80,000      $              0       Royalty (2% annually for 2 years)*
  • $     50,000      $              0       Interest (12 month term)
  • $              0      $   800,000       Equity (20%) (at 36 month exit)**
  • $5,870,000      $5,400,000       Adjusted Revenue (36 month total)
  • $   130,000      $   600,000       Cost of Capital (over 36 months)

 * Royalty is payable monthly only after term loan is paid in full

** Company valuation based on 2X annual gross revenue ($4,000,000)


Initial Documents Needed for Evaluation

  • Executive summary with explanation of capital request
  • Profit and loss statement and balance sheet (2013 & 2014 YTD)
  • Detailed and prioritized use of funds (itemized)
  • Proforma financial projections (post funding, minimum 3 years)
  • ECF Information Form

Established and profitable US companies with annual gross revenues of at least $500,000, are welcome to submit their business to qualify for a RevCap Loan. It doesn't cost a dime to qualify the company. Just email the docs above and complete the form below.

All information will be handled with strict confidentiality.


Contact us by email at:

or fill out the Form below.

Please fill out the form below and a principal will contact you within 48 hours to discuss your options. Thank you in advance for your interest in our company.




            Grow Your Company

“We believe that real estate construction projects with sufficient pro-forma income and experienced developers with exceptional ideas deserve to be rewarded with innovative financial products combined with an outstanding customer service experience and backed by established, capable and reputable private financial institutions that fulfill a need in todays lending marketplace.”


Based on annual gross revenue

Loans are based on the average annual gross revenue of your business, not on your credit or assets.

Please do not confuse a RevCap Loan with a Merchant Cash Advance based on credit card sales. MCA is much more expensive as a financing option compared to RevCap. Pay off your MCA deal with RevCap and increase your cash flow.

Flexible loan terms

You get to choose between 6, 9 or 12 month payback periods

Loans from $50,000 to $3,000,000

Complete our online form and supply the documents listed to see how much you can qualify for

Use the money for almost any business purpose

Open a new location, hire new sales reps, start a new marketing campaign, buyout a partner, or finance pending contracts

Fast approval & funding

Approvals in 48 hours, funding in as little as 5 business days

Loan renewals

Clients are eligible to increase the amount of credit available to them as their annual gross revenues increase, allowing access to additional RevCap financing.

We are ideally looking for profitable U.S. companies with at least $500,000 in annual gross revenue and who are requesting capital in the amount of 10% of annual revenue and/or 1:1 in monthly inflows (deposits) into their bank accounts.

Capital must be used for growth only, not debt consolidation or "operating" capital.


Our lender also provides the following debt products

  • Asset Based Lending
  • Equipment Financing/Leasing
  • Working Capital Loans
  • A/R Financing/Factoring
  • Bridge Loans
  • Contract Financing/Monetization
  • PO Financing
  • Inventory Financing
  • Private Debt Funding
  • Leveraging Assets (IP, Equipment and Real Estate) into Working Capital


Equipment Leasing and Financing

  • Financing from $5,000-$5,000,000+
  • Terms from 24 to 60 months
  • App only up to $75,000
  • 100% financing
  • Wide credit appetite
  • Competitive rates
  • New and used equipment
  • All equipment types



Last updated on 03/27/17

All rights reserved. Subject to change without notice

This website is for informational purposes only and is not a solicitation for the purchase or sale of any securities, nor a solicitation of investment funds or placement. The information on this website does not represent the policies of any bank or financial institution, is not intended as a confirmation of any transaction, and does not consist of any legal, securities or tax related advice.

Executive Capital Finance not a direct or correspondent lender, realtor, mortgage broker, certified financial advisory firm, securities brokerage firm or a stock brokerage firm. Executive Capital Finance is a business consultancy firm that facilitates private business transactions and provides consulting services to businesses and individuals on or about private business matters.