How Much Can I Recieve?

Most approvals fall between $20,000–$500,000, based on revenue and documentation. Strong performance may qualify for additional rounds.

When Can Funds Be Available?

After we review your documents, funds are often available within 1–3 business days. We’ll walk you through options before you choose.

How Does Reconciliation Work?

In revenue-based financing, payments (remittances) are tied to a percentage of receipts. Reconciliation adjusts future payments to reflect what your receipts show.

Is My Information Secure?

Yes. Your documents are encrypted and reviewed privately. Nothing is shared without your approval.

What Documents Do You Need?

We typically review recent bank statements and basic business details to understand your cash flow. We’ll tell you exactly what’s needed upfront.

Will Applying Affect My Credit?

No. We don’t run a hard credit pull during the initial review. If a capital partner requires credit later, you’ll know before anything is checked.

How The Funding Cost Is Calculated - Promised Land Funding

How The Funding Cost Is Calculated

Revenue-based funding is priced with a factor rate, not an interest rate.

A factor rate tells you the total payback upfront.

An interest rate tells you the cost of borrowing over time, so the final cost depends on the term, fees, repayment schedule, and the outstanding balance

That means a 1.25 factor rate and a 25% interest rate are not the same thing, even though both use the word “rate.”

Infographic explaining how a 1.25 factor rate turns $100,000 in funding into $125,000 total payback.

Factor Rate vs. Interest Rate

Factor rates are simple multipliers. They set the total purchased amount upfront.

Interest rates are tied to time. The cost of a loan changes based on the rate, the term, fees, repayment schedule, and how long the balance remains unpaid.

Infographic showing a $100,000 loan at 12% APR over 12 months with estimated payment and total payback.

Same APR, Different Terms

A 12% APR over 12 months does not create the same total payback as a 12% APR over 24 months.

That is the main difference: interest cost depends on time. Factor rate payback is set upfront.

Infographic showing a $100,000 loan at 12% APR over 24 months with estimated payment and total payback.

Why Factor Rates Vary

Factor rate is only one part of the offer. Referral partners should also review payment terms, payment adjustments, total payback, existing obligations, and expected cash-flow impact.

Infographic showing how business risk affects revenue-based funding factor rate ranges.

Final Note

A factor rate should not be judged in isolation. The right question is not only “what is the rate?”, it’s:

What is the total payback, how are payments collected, can the business handle the cash-flow impact, and does the use of funds justify the cost?

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Revenue-Based Funding Guide

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