Revenue-Based Financing Cost Calculator
Revenue-based financing repays a fixed multiple of the advance as a share of monthly revenue. The faster you grow, the sooner you repay — and the higher the effective annual rate.
Your numbers
- Total repayment
- $650K
- Total cost of capital
- $150K
- First monthly payment
- $12K
Fund Force runs an AI analysis of your market and matches you with investors, accelerators and grants that fit your stage and sector.
Get matched with Fund Force →The formula, in plain English
- Total repayment = Advance × Cap multiple
- Monthly payment = Monthly revenue × Revenue share %
- Effective rate = annualised IRR of the advance against the payments
Frequently asked questions
Is revenue-based financing dilutive?
No — you give up no equity. You pay back a fixed multiple of the advance from future revenue.
Why is the effective rate higher when I grow faster?
The cap multiple is fixed, so repaying it in fewer months means the same cost over a shorter time — a higher annualised rate.
Who is RBF right for?
Companies with predictable recurring revenue and good gross margins that need growth capital (e.g. for marketing or inventory) without dilution.
Results are estimates for planning and education — not financial, legal or tax advice.