• Revenue Based Loans or ACH loans are similar in structure, repayment schedule and pricing to an MCA.

 

  • They are designed for near term opportunities and needs, and for ongoing working capital.

 

  • RBL are typically not collateralized by an asset.

 

  • A terrific benefit of these loans is that they are short term, allowing the business to use as a recurring source of capital

 

  • Funding Availability: $10,000 to $2 million plus

 

  • Credit Profile: A+ to C based on business and owner personal credit, time in business, banking history and cash management, other debt outstanding

 

  • Repayment Term: 4 to 36 months

 

  • Rate: Is determined by the credit profile, industry, projected repayment term, other debt, banking / cash management history

 

  • Funding Availability: $10,000 to $2 million plus

 

  • Credit Profile: A+ to C based on business and owner personalcredit, time in business, banking history and cash management, other debt outstanding

 

  • Repayment Term: 4 to 36 months

 

  •  Rate: Is determined by the credit profile, industry, projected repayment term, other debt, banking / cash management history

 

  • Expense of Funds: RBL pricing is similar to MCA in format, a ratio is used to calculate the total fixed interest and principal to be repaid. Typical ratios range between 1.12:1 and 1.40:1
    depending on Credit Profile and term.