Revenue-based financing gives you cash now and takes a share of your future revenue until a set amount is repaid. You keep ownership, but it is not free money. Each provider below was checked on its own site.
5 listings open as of Oct 30, 2026.
Revenue-based financing (you repay from a share of revenue) · Clearco
Amount: Up to $10 million, payment terms up to 12 months · Rolling, apply any time · Nationwide
Who qualifies: Direct-to-consumer online sellers incorporated in the US with an active US business bank account, 6+ months of consistent revenue and more than $100,000 USD per month in revenue.
Source: Official program page · Last verified Oct 30, 2026 · Apply on the official site
Revenue-based financing (you repay from a share of revenue) · Lighter Capital
Amount: Up to $4M per plan · Rolling, apply any time · Nationwide
Who qualifies: Tech startups with at least $200K in ARR (or $15K MRR) from software, SaaS, tech services or a similar sector, based in the US, Canada or Australia. Profitability is not required.
Source: Official program page · Last verified Oct 30, 2026 · Apply on the official site
Revenue-based financing (you repay from a share of revenue) · Shopify
Amount: Up to $2M · Rolling, apply any time · Nationwide
Who qualifies: Select Shopify merchants in the US, Canada, UK and Australia who have sold on Shopify for at least 90 days. Eligibility is set automatically from store data, and repayment is a fixed percentage of daily sales. US loans are issued by WebBank.
Source: Official program page · Last verified Oct 30, 2026 · Apply on the official site
Revenue-based financing (you repay from a share of revenue) · Stripe
Amount: Amount not listed · Rolling, apply any time · Nationwide
Who qualifies: Businesses that process payments on Stripe. Eligibility is based on payment volume and history on Stripe and shows in the Stripe Dashboard. In the US, loans come from Celtic Bank or Lead Bank and repayment is a fixed percentage of daily sales.
Source: Official program page · Last verified Oct 30, 2026 · Apply on the official site
Revenue-based financing (you repay from a share of revenue) · Wayflyer
Amount: $10,000 to $20 million · Rolling, apply any time · Nationwide
Who qualifies: Businesses with at least 6 months of trading history and $10,000+ in monthly sales. The US is a supported country of incorporation. Offers a cash advance repaid as a percentage of revenue, or a fixed-installment term loan.
Source: Official program page · Last verified Oct 30, 2026 · Apply on the official site
A provider advances a lump sum. You repay a fixed total, usually the advance plus a flat fee, by sending a percentage of revenue each month or each payout. When sales are slow you pay less, when sales are strong you pay it off faster.
Because the fee is fixed, paying it back quickly can make the effective annual cost high. Ask for the total repayment amount and the expected payback time in writing, then compare it with a bank or SBA loan.
RBF fits businesses with steady, trackable revenue, such as ecommerce stores and subscription software, that need money for inventory or marketing with a clear payback. It is a poor fit before you have revenue, or when margins are thin.
It is a form of financing you repay, so treat it like debt even when the provider calls it something else. You do not give up equity.
Usually a minimum monthly revenue, some months of trading history and connected bank, payment or store accounts. The listings show each provider's stated requirements when their site gives them.
Yes. Browsing, filtering and the weekly match email are free. You never need an account to see the listings.
Federal grants come from the Grants.gov API, SBIR and STTR topics from SBIR.gov, venture funds from the SEC Form D quarterly data set, and every other program was checked by hand on its official page. Each listing links to its source.
A refresh runs every Monday morning. It pulls the federal data again, removes anything past its deadline, re-checks every official link and hides programs whose page has gone dead.
No. KenjiAI does not take a fee or commission from any program listed in the Finder. Apply directly on the official site.
Sources: Grants.gov, SBIR.gov, the SEC Form D data set and each program's official page. KenjiAI takes no fee from any program listed here. Data refreshed Oct 30, 2026; the refresh runs every Monday. See also our funding and credit partners and other free tools.