Overview

Revenue-Based Financing (RBF) is a flexible funding solution where your business receives capital based on its monthly sales. Instead of fixed EMIs, repayments are made as a percentage of your revenue, making it easier to manage cash flow during slow and busy periods.

How It Works

Funding is approved based on your monthly revenue (POS or online sales)
You receive a lump sum upfront
Repayments are automatically deducted as a small percentage of daily or monthly sales
When sales are higher, you pay more; when sales are lower, you pay less

Who It’s For

E-commerce businesses
Retail stores
Restaurants & cafés
Subscription-based businesses
Businesses with consistent card or online sales

Key Features

No collateral required
Flexible repayment structure
Fast approval process
Minimal documentation
No fixed monthly installments

REVENUE‑BASED FINANCING (RBF)

Flexible, Performance‑Linked Funding for Fast‑Growing Businesses Without Collateral or Fixed EMIs

Revenue‑Based Financing (RBF) is one of the most modern and founder‑friendly funding models available for SMEs, startups, and digital businesses. Instead of traditional fixed EMIs, RBF allows companies to raise capital and repay it through a percentage of their monthly revenue — meaning repayment adjusts automatically based on business performance.

Amanex Group provides structured, compliant, and growth‑focused RBF solutions that give businesses instant liquidity, zero equity dilution, and no collateral requirements, making it ideal for companies with recurring revenue or strong sales cycles.

WHAT IS REVENUE‑BASED FINANCING?

Revenue‑Based Financing is a funding model where a business receives capital upfront and repays it through a fixed percentage of monthly revenue until the agreed repayment cap is reached.

Key Formula

You repay more when revenue is high You repay less when revenue is low

This ensures zero pressure, no fixed EMI, and no collateral.

WHO IS RBF FOR?

RBF is ideal for businesses with consistent monthly revenue, including:

E‑commerce sellers
Retail & wholesale businesses
Subscription‑based companies
Restaurants & cafés
Digital agencies
Service‑based companies
SaaS businesses
Online marketplaces
Trading companies with recurring sales

Any business with predictable revenue cycles benefits from RBF.

KEY BENEFITS OF REVENUE‑BASED FINANCING

1. No Collateral Required

Funding is based on revenue — not assets.

2. No Fixed EMI

Repayments adjust based on monthly sales.

3. Fast Approval

Minimal documentation and quick underwriting.

4. Zero Equity Dilution

Unlike investors, RBF does not take ownership in your company.

5. Perfect for Growth

Use funds for:

Inventory
Marketing
Expansion
Hiring
Operations

6. Ideal for Seasonal Businesses

Lower revenue = lower repayment Higher revenue = faster closure

7. Flexible Repayment Structure

Repayment continues until the agreed repayment cap is reached (e.g., 1.2x – 1.6x of the funded amount).

HOW REVENUE‑BASED FINANCING WORKS

Step 1 — Business Applies

Submit revenue data, bank statements, and sales history.

Step 2 — Funding Approval

Based on:

Monthly revenue
Sales consistency
Business model
Growth potential

Step 3 — Capital Disbursement

Funds are released directly to your business account.

Step 4 — Monthly Repayment

You repay a percentage of monthly revenue (typically 5%–20%).

Step 5 — Completion

Repayment ends once the agreed repayment cap is reached.

ELIGIBILITY CRITERIA

Most RBF providers require:

Monthly revenue: AED 50,000 – 200,000+
6–12 months operating history
Consistent sales
Clean AECB score (preferred but not mandatory)
Active corporate bank account
Valid trade license

DOCUMENTS REQUIRED

Trade License
MOA / Share Certificate
Passport, Visa, Emirates ID
6–12 months bank statements
Sales reports / POS statements
VAT returns
Website / marketplace data (if applicable)

TYPES OF REVENUE‑BASED FINANCING

1. Pure Revenue‑Share RBF

Repayment is a fixed percentage of monthly revenue.

Ideal for:

E‑commerce
Retail
Subscription businesses

2. Hybrid RBF

Combination of revenue‑share + minimum base repayment.

Ideal for:

Businesses with stable revenue
Companies planning expansion

3. Marketplace‑Linked RBF

Funding based on marketplace sales (Amazon, Noon, Shopify, etc.).

Ideal for:

Online sellers
Dropshipping businesses

4. POS‑Based RBF

Repayment linked to POS machine sales.

Ideal for:

Restaurants
Cafés
Retail stores

USE CASES FOR RBF

Inventory purchase
Marketing campaigns
Hiring & staffing
Opening new branches
Scaling operations
Technology upgrades
Seasonal stock requirements
Cash‑flow support

EXAMPLE SCENARIO

A café generates AED 180,000 monthly revenue.

They secure:

AED 150,000 RBF funding
Repayment: 10% of monthly revenue
Repayment cap: 1.4x (AED 210,000)

If revenue increases:

Loan repays faster.

If revenue drops:

Repayment reduces automatically.

Result: Zero pressure, flexible repayment, and instant liquidity.

RBF VS BUSINESS LOAN

Feature	RBF	Business Loan
Collateral	Not required	Optional
EMI	No fixed EMI	Fixed EMI
Approval Speed	Fast	Moderate
Flexibility	Very high	Medium
Ideal For	Growing businesses	Stable businesses
Equity Dilution	None	None

HOW AMANEX GROUP SUPPORTS YOU

1. Revenue Analysis

We evaluate your revenue cycle, sales channels, and growth potential.

2. Structuring

We determine the ideal RBF model and repayment percentage.

3. Documentation Preparation

We prepare:

Revenue summary
Business profile
RBF justification
Compliance documents

4. Provider Matching

We connect you with the right RBF provider based on your industry.

5. Negotiation

We negotiate:

Lower repayment percentage
Higher funding amount
Better repayment cap

6. Approval & Disbursement

We coordinate until funds are released.

WHY BUSINESSES CHOOSE AMANEX

End‑to‑end support

Expertise in modern financing models

Strong network of RBF providers

High approval success rate

Transparent advisory

Fast processing

Cash Flow Friendly – Payments adjust with your revenue
Quick Access to Funds – Faster than traditional bank loans
Growth-Focused – Ideal for marketing, inventory, and scaling
No Equity Loss – You retain full ownership of your business

Eligibility Criteria

Minimum monthly revenue (varies by lender)
Active business for 6–12 months
Consistent sales through POS or online platforms
Valid trade license and business bank account

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