Revenue-Based Finance for UK operators.
Fast capital against your full business revenue. Card takings, bank settlements, subscriptions, remittances. All counted. Built for mixed-income UK businesses.
Card-heavy business?
If 60%+ of your revenue runs through card machines, MCA is usually the faster, sharper-priced fit. See MCA →
Six things RBF does differently.
Built for mixed-revenue businesses.
Card takings are only part of your income. RBF assesses your full picture. Bank settlements, subscriptions, account-pay, remittances. So you don't get penalised for not being card-heavy.
Repayment flexes with revenue.
A small percentage (typically 3 to 12%) of total monthly revenue. Quiet month, smaller repayment. Busy month, faster paydown. The percentage is fixed; the pound amount moves with you.
Broader revenue assessment.
Because RBF lenders look beyond card takings, the assessment includes specialists who'd otherwise decline a card-light operator.
Same fixed cost transparency.
One fixed cost, set on day one (typically 1.10 to 1.50). Total repayable is fixed at signing. No compounding interest, no penalty for early repayment, no hidden fees.
Decision in 24 to 72 hours.
Slightly slower than MCA because there's more revenue data to assess. Funds typically land 3 to 7 working days from acceptance.
No asset security required.
Like MCA, RBF is unsecured against business assets. Most lenders will require a director's personal guarantee.
Four scenarios where RBF earns its place.
Private clinic with insurance remittance
Card payments at the till + monthly settlements from Bupa, AXA, Vitality. RBF treats the full income picture, so you're funded against the real revenue, not just the front desk.
Children's nursery with government funding
Parent card payments + monthly local authority remittances for funded hours. RBF aggregates both into one assessable revenue base.
Sports club with subs and matchday trade
Membership direct debits + bar card takings + matchday cash banked. RBF underwrites against the combined revenue, which usually unlocks more capital than MCA alone.
B2B trade or wholesale with account-pay
Counter card sales + 30-day account-pay invoices banked monthly. RBF works where MCA wouldn't because the bulk of revenue is account-settled, not card.
Total revenue in. Real RBF cost out.
- Advance£50,000
- Fixed cost1.15
- Repayment % monthly7%
- Monthly revenue£50,000
- Monthly repayment£3,500
- Est. term17 mo
Illustrative. RBF assesses total revenue (card + bank + remittances). Monthly repayment flexes with your full income picture, not just card takings.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
Works with Dojo · Square · Zettle · SumUp · Stripe Terminal · PDQ · Yeti Pay · Teya · Barclaycard
*** THANK YOU ***
Apply with these numbersWhat lenders need to see.
- 12+ months trading
- £15,000+ in monthly total revenue
- UK-registered business
- At least 30% of revenue card-settled OR consistent bank-settled revenue across 12+ months
Bar's higher than MCA because RBF assesses a fuller revenue picture. That needs more trading data.
RBF, plainly.
How is RBF different from MCA?
MCA repays from card takings only (typically 8 to 25% of each day's card sales). RBF repays from total monthly revenue (typically 3 to 12%). Including bank settlements, subscriptions, account-pay, and remittances. Same fixed-cost structure, broader revenue base.
What counts as revenue for RBF?
Card takings, bank-settled customer payments, subscription direct debits, account-pay invoices once banked, and platform/insurance remittances (e.g. Bupa, NHS, local authority). Lenders verify against your business bank statements.
What doesn't count?
Owner injections, loan proceeds, intercompany transfers, VAT refunds, grants, and one-off asset sales. Lenders strip these out so the assessed revenue reflects ongoing trade.
Who is RBF best for?
Mixed-revenue UK businesses where card takings are less than around 60% of total income. Clinics, nurseries, kennels, vets, sports clubs, builders' merchants, wholesalers, and B2B traders with account-pay customers tend to fit best.
What does it cost?
Same fixed-cost format as MCA. Fixed cost typically 1.10 to 1.50, set on day one. £50k advance at 1.25 = £62,500 to repay. Term typically 9 to 24 months depending on your repayment % and monthly revenue.
Is RBF a smaller market than MCA?
Yes, RBF is a smaller market in the UK than MCA. The trade-off is that RBF lenders specifically underwrite mixed revenue, so the deals tend to be priced sharper than forcing an MCA on a card-light business.
Is RBF regulated?
No. Like MCA, RBF is commercial finance arranged between businesses. We're a commercial finance broker, not a lender. We always show fixed cost, total repayable, and estimated term up front.
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses