Revenue-Based Financing

Revenue financing is an alternative financing solution for businesses to access capital without giving up ownership equity.

The financing amount through Revenue-based Financing is determined by the business’s current and projected revenue.

Our Partners

Why Revenue-Based Financing?

No Equity Dilution

Businesses can access capital without giving up ownership equity, meaning existing shareholders can maintain control of the company.

Collateral Not Required

Businesses that do not have any collateral or receivables are typically unable to access loan facilities. Revenue-based Financing allows these businesses to pledge their future revenue in exchange for loan facilities.

Speed & Flexibility

We use alternative data to assess your loan application and often result in a simpler and faster application process.

Fast Approval

Approval can be obtained within 1 working day.

Minimal Documents

Minimum documents are required - your bank statements and NRIC.

Convenient Giro Payments
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Typical Industries of Revenue-Based Financing Users

Food & Beverages

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E-commerce

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Online Businesses

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Why Revenue Financing?

Speed & Flexibility

RBF financers use alternative data to assess your loan application, and often have a simpler and faster application process.

Fast Approval & Minimum Docs

Approval can be obtained within 1 working day and with minimum documents are required you will just need submit your Credit Bureau Report and NRIC.

Collateral Not Required

RBF allows Businesses that dont have any collaterals or receivables to pledge their future revenue in exchange for loan facilities.

No Equity Dilution

Businesses are able to access capital without giving up ownership equity. So, existing shareholders can maintain control of the company

How does it work?

Take a look how to apply our product financing. It's so simple and easy to apply

Investment agreement and disbursement

The agreement will specify the amount of financing available, the percentage of future revenues that the investor will receive, and any other terms and conditions of the investment.

Revenue sharing and repayment

During the repayment period, the company will share a percentage of its revenues with the investor, typically between 2-10% depending on the agreement terms.

Loan servicing and closure

During the repayment period, the investor and the company will work together to track revenues, calculate payments, and manage the loan account. Once the loan is fully repaid, the investor will receive the agreed-upon return on their investment, and the investment agreement will be closed.

Venture Builds

Polaris

Learn how Polaris - a cloud based app can help your business access reverse to provide significant and strategic cashflow for you.

"Our most recent experience with Goldbell Financial Services (GBFS) was nothing short of amazing. From start to finish, they were swift, responsive, and very pleasant to work with.

The application process was seamless and straightforward, and the team was always available to answer any questions that we had. They made sure that we got the best possible terms and tailored a financial solution to fit our needs.

What impressed us the most was their quick turnaround time. They were able to process my application and get me the funds I needed within a very short period of time, which was incredibly helpful.

Overall, we would highly recommend GBFS to any F&B owners / operators who are in need of short term financial assistance in the current climate. GBFS’ professionalism, expertise, and commitment to their customers are truly commendable."
F&B CHAIN OPERATOR

FAQs

How do I know if my business qualifies for Revenue-based Financing?

Consider factors such as the business's annual revenue, profitability, growth potential, and management team when evaluating whether to provide funding. It's important to carefully review and understand the specific requirements of each RBF provider before applying to ensure that your business meets the necessary criteria.

What documents are required for Revenue-based Financing?

- Financial statements: This includes income statements, balance sheets, and cash flow statements. RBF providers will typically review these documents to evaluate the financial health of the business.
- Tax returns: RBF providers may require the business's most recent tax returns, including both personal and business tax returns.
- Bank statements: The RBF provider may request several months of bank statements to verify the business's revenue and cash flow.
- Business plan: A detailed business plan can help demonstrate the potential for growth and success of the business, which can be important for RBF providers evaluating funding requests.
- Legal documents: This may include business licenses, incorporation documents, and any contracts or leases that the business has entered into.

How long is the process from application to disbursement of loan?

The RBF process can take anywhere from a few weeks to several months.

What is the loan tenure typically?

The loan tenure for revenue-based financing (RBF) ranges from 12 to 60 months,

What are the charges and fees involved for Revenue-based Financing?

Origination fees typically range from 2% to 6% of the total funding amount, while interest rates on RBF can range from 10% to 30% and are often expressed as a multiple of the funding amount.

How do I make the monthly repayments?

Monthly repayments for revenue-based financing (RBF) are typically made as a percentage of the business's monthly revenue, which is agreed upon in advance between the RBF provider and the business.

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