Banks and credit unions decline good businesses every day — thin credit files, young companies, "wrong" industries. Revenue-based financing is underwritten on what your business actually earns. If your bank statements are healthy, you have options.
Traditional lenders underwrite on credit score, collateral, and years in business. Revenue-based funders underwrite primarily on your business bank statements. You may qualify after a bank or credit union decline if:
Jon Lynch Financial Group is a commercial finance brokerage. We match your revenue profile to the product and funder that fits — from revenue-based programs to structured and SBA-guaranteed loans.
Funding based on the purchase of future receivables — not a loan. Remittances flex with your revenue. Fast decisions from bank statements alone; suited to businesses declined by traditional lenders.
A lump sum repaid over a fixed schedule. Best for established businesses with steadier credit profiles that want predictable payments and longer terms than revenue-based products.
Short-term capital that bridges a gap — covering an obligation or opportunity while longer-term financing or a receivable clears. Speed is the point.
Made by SBA-approved lenders and partially guaranteed by the U.S. Small Business Administration. Among the lowest-cost capital available to small businesses; longer process, deeper documentation.
For businesses managing multiple existing advances: a funder covers your current payment schedule while you make one smaller consolidated payment, easing daily cash-flow strain.
Sell equipment, vehicles, or property your business owns and lease it back — keep using the asset while converting its equity into working capital.
Subordinated capital that sits between senior debt and equity to close the gap in a business acquisition — useful when senior lenders won't fund the full purchase price.
Draw-based funding for builders, contractors, and developers — capital released as project milestones complete, for ground-up builds and renovations.
Yes, in many cases. Banks decline for reasons revenue-based funders weigh differently — time in business, credit score, industry, or collateral. Revenue-based financing and merchant cash advances are underwritten primarily on the revenue shown in your business bank statements. Consistent, healthy deposits can qualify you even after a traditional decline.
Revenue-based financing is the umbrella term for funding repaid as a share of business revenue. A merchant cash advance (MCA) is a common form of it: the purchase of a portion of your future receivables at a discount. An MCA is not a loan — remittances flex with revenue, unlike a term loan's fixed payments.
Typically 3–6 months of statements showing consistent deposits, positive average daily balances, limited NSF/overdraft activity, and revenue that supports the requested amount. In revenue-based underwriting, statement health usually outweighs credit score.
Revenue-based programs can decide from bank statements in as little as one business day. Term, SBA 7(a), construction, and mezzanine products involve fuller underwriting and take longer. Timelines vary by funder and file.
Most revenue-generating businesses — trades, logistics, restaurants, retail, medical, professional services, construction. Some funders have industry restrictions; as a brokerage we match your profile to funders that serve it.