Cash Flow Financing

Get the funding you need—secured by your cash flow, not your assets.

Let's Get Started

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Key Highlights

_Capital

Increased Capital

$100K to $1MM

_Industries

Flexibility

Tailor funding to your unique needs

_Cash-back

Fast turnaround

Approval in 24-48 hours

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DO I QUALIFY?

Just two requirements

At National Business Capital, there’s no business credit score requirement. We focus on your business performance and potential, not outdated financial metrics. Qualifying is straightforward—you just need to meet two requirements.

  • Annual Revenue: Your business must generate at least $500,000 in annual revenue. So if your company has consistent earnings but experiences cash flow gaps, this solution can be an ideal fit.
  • Time in Business: At least one year of operational history. Established businesses with consistent sales cycles can qualify faster.

What is it?

Cash flow financing fuels growth

Unlike traditional loans, cash flow financing isn’t tied to existing assets. You receive a lump sum upfront and repay it through a percentage of your daily or weekly sales. That means no collateral, no fixed payments. Just flexible funding that moves with your business revenue.

If you want fast capital without the drawbacks of fixed monthly payments or equity dilution, this could be your ideal financing option.

 

Why get it?

Funding at your pace

Business moves fast. Your financing should, too.

  • Access needed capital: Get funds for urgent needs and opportunities
  • Save on interest: Pay back based on weekly or monthly revenue
  • Gain revolving credit: Secure flexible funding for ongoing expenses
  • Use without restrictions: Tap into funds for any business-related expenses

 

What’s the difference? Cash flow financing vs other options

Loan vs Line of Credit

The right option for you depends on your business and goals. For some, the ability to draw capital as-needed makes a line of credit the preferred choice, while others prefer the lump sum format of standard term loans.

Secured vs Unsecured Loans

Secured loans require you to put up collateral, like equipment or property, which the lender can claim if you don’t repay. Unsecured loans don’t require assets, which means faster approvals and less risk to your business if things shift.

For many fast-moving industries like construction, wholesale, and logistics, unsecured funding offers the flexibility and speed they need to keep operations running and opportunities moving.

 

What Do I Need to Apply?

Required Documents

Have this information at hand, and you’re all set.

  • Driver’s license
  • Business credit score
  • Financial statements
  • Time in business
  • Proof of ownership (K1, schedule C, EIN, certificate of corporation)
  • Business tax returns
  • Cash flow statement
  • Business plan
  • Business bank statements (Going back at least one year)

Ready to get funded? Apply today!

Frequently Asked Questions

Who should consider cash flow financing?

Businesses that need fast access to capital and have steady revenue streams are ideal candidates. It’s best for companies that:

  • Want to invest in growth opportunities without taking on traditional debt.
  • Experience seasonal revenue cycles or delayed payments.
  • Need working capital but don’t want to offer equity or collateral.

What are the types of cash flow financing?

  • Fixed Fee: A set percentage of revenue is repaid until the total amount is covered.
  • Variable Collection: Repayment adjusts dynamically based on revenue fluctuations.

What’s an example of cash flow financing?

An example of revenue-based financing with a fixed fee (not accounting for interest or other fees) might look like this:

  • Business A secures $1,000,000 in revenue-based financing with an 18% interest rate.
  • In month 1, Business A generates $20,000 in revenue, so they owe their lender $3,600.
  • After month 1, their balance is $996,400.
  • In month 2, Business A generates $33,000 in revenue, so they owe their lender $5,940.
  • After month 2, their balance is $990,460.

How can cash flow financing be used in my industry?

  • Construction: Covers upfront costs while waiting for contract payments.
  • Wholesale & Distribution: Helps manage large bulk purchases and supplier payments.
  • Transportation & Logistics: Ensures stable cash flow for fuel, maintenance, and new routes.
  • Manufacturing: Supports equipment purchases and large production runs.

Can I get same-day cash flow financing?

Yes! When you apply through National Business Capital, you can receive funding on a timeline that fits your business needs—often within 24-48 hours.

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Get the capital you need to grow your business

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