Best Revenue-Based Financing Companies in Europe

The revenue-based loan is a form of financing that offers alternatives to traditional business financing. Revenue-Based financing (RBF), leverages the company's sales (revenue), and net profit margins in order to raise money for working capital, cash flow, growth, and other capital needs. Although revenue-based financing agreements can take many forms, they are most often structured as a business loan or advance from a designated lender. Short-term business loans, invoice financing (Factoring), buy order financing or future receivables sales and purchase agreements are the most popular types of business financing products for revenue financing. These are also known as merchant cash advances or business cash advances and royalty-based financing. There are many funding options available for revenue-based financing. Let's take a closer look.

We believe that venture debt is a broad term that covers many types of debt available for startups and other fast-growing companies. We have identified more that 20 types of venture loans. These loans can be used to fund working capital or as synthetic royalty loans. Most venture lenders offer more than one type of loan. Each case is different and requires a determination of the type of debt that is best suited for a startup or other fast growing business. The following table provides guidance for pre-revenue, SaaS and life science businesses. It should be used as a starting point. We refer to an "equity sponsor" in the examples as institutional shareholders, such as a venture capital firm or private equity fund. Companies that are sponsored generally have more options for financing their debt. Pre-revenue startups require either collateral or venture capital sponsorship to obtain debt capital.

Decathlon is a revenue-based finance company that offers funding solutions that replace equity investment. It allows businesses to repay growth capital using a small percentage from future revenue. You took the risk. You built the business. You have built the business. Now you need capital to grow it. This is possible without giving up equity or control. Decathlon Capital Partners provides revenue-based financing to growth-oriented businesses with annual revenues between $4 million and $100 million. We provide support to companies in many industries and are focused on long-term partnerships. Decathlon, the nation's largest revenue-based fund investor, is changing the way established businesses finance their growth. We can get you from initial contact to closed funding in just four weeks with a simple and straightforward process. We make sure you are always clear about where you stand with our transparent and direct process.

Novel Capital is available for revenue-focused entrepreneurs like yourself. Our flexible, fair, and simple growth capital options will enable you to seize market opportunities. We were founders and needed capital to grow our businesses. So we get it. Our funding approach is more than an algorithm. We have the technology to crunch the numbers but we also strive to get to know you and your business so we can be the best fit for your success. No warrants or equity. Your equity will be retained and your company's worth will increase. We give you fair capital options to capitalize upon your momentum without diluting the business. This allows you to be free from artificial growth expectations and constraints to allow you to focus on sustainable revenue growth.

Your equity, board seats, vision, and stockholders rights will remain intact. 100% transparent process. No hidden fees. No warrants or personal guarantees. Access to capital up to $3M within minutes. Lighter Capital is the largest provider non-dilutive capital for start-ups. We have invested hundreds of millions in growth companies over the past decade. While we don't expect you to be financially successful, we do want to see a path towards profitability. At least five clients are currently using your products or services. As your company grows, you will need to fund these scales. Follow-up rounds can be completed in as little as one week. Our online tool will show you how much ownership and value you could retain when raising revenue-based financing. It is easier than traditional equity sources.

RBF loans: When and how to avoid them. RBF loans: Cost, duration, and details. What to look out for and what to avoid when choosing lenders. What terms should you be looking out for and how to negotiate them. Revenue-based financing is also known as royalty-based financing or revenue sharing. It is a method to raise capital for high-growth companies. In exchange for a portion of the monthly revenues, investors inject growth capital. Revenue-based financing (also known as royalty-based financing or revenue sharing) is a method to raise capital for high-growth companies. Investors inject growth capital in return for a percentage future revenues.

Recur Club converts your recurring income into upfront capital via subscription-based financing! Transform your monthly or quarterly subscriptions to instant upfront capital. Get your trading limit by connecting with your finance and subscription manager, or sharing data. Profit now and pay your customers as they pay, without any investor pressure or debt covenants. Cash in the bank is the fastest way to get cash. Trade to get capital when you need it. Recur Insiders have exclusive access with industry veterans. Get data-backed insights about you business and advisory from industry experts. Recur has one goal: to help founders focus on their business while they scale. We work with companies to unlock fast, flexible, transparent and non-dilutive capital at all stages of their growth journey. To create an account on Recur Club, please share some company details such as CIN, PAN, or GSTIN.

Behalf is the trusted partner that can help you finance your business purchases. We have the experience and depth of knowledge to help you empower your business from day one and grow with your business over time. Behalf was founded on a belief that any business can grow with affordable capital. Each customer is unique and has different financing needs. Advanced decision models. To date, more than 21,000 merchant partners have been served. More than 135,000 small-medium-sized businesses were served. Support and dedicated account management. Full-service marketing. Onboarding and launch planning customized. Purchase limits from $3,000 to $1,000,000 Easy customer enrollment and checkout. Flexible integration options created with merchants in mind

Traditional finance hasn’t kept up to date with innovation. SME SaaS companies need funding. It is difficult to access, slow, tedious, and time-consuming. Float pioneered a new product we call Capital-as a-service (CaaS). We provide SaaS startups with easy, non-dilutive growth capital that is founder-friendly and fast. We are founders ourselves and our vision is to help other founders. We provide capital to allow them to build and grow their businesses without the need for endless fundraising.

Stripe Capital offers fast, flexible financing that allows you to manage cash flow and invest in growth. There is no credit check or complicated application process. Eligibility is determined by factors such as your payment history and payment volume on Stripe. Usually funds arrive within 24 hours, directly into your Stripe Account. One flat fee, which never changes, is payable. There are no late fees, collateral obligations, compounding interest charges or collateral obligations. Repayment is fully automated and adjusted to your daily sales. Stripe deducts a percentage of your sales until the amount owed is repaid. Choose the amount that is most appropriate for your business. Based on the amount accepted, the fee and repayment rate will be set. After our team reviews your selections, funds will be deposited into Stripe accounts, usually the next day. The loan will be repaid with a fixed percentage from your daily sales until it is fully repaid.

Reimagining the technology funding and procurement process by combining payments with predictive pricing and financing. Flexible payment options embedded in sales to close faster. Leverage your existing recurring revenue to get funded now. You can get paid even if your customers pay later. Align your payments to the ratio with customer payments. You can unlock capital for growth by using your own assets, without dilution and debt. Ratio does not require monthly payments, unlike venture debt or revenue-based funding. Choose which contracts to sell according to your cash flow requirements. The Ratio team consists of experienced SaaS executives and finance executives as well as serial entrepreneurs, builders and dreamers. Equity is an important part of building your company and rewarding your team. Ratio does not dilute your equity by selling warrants or selling equity.

Finance your stock, marketing and B2B receivables to grow on your terms. Defacto uses different data sources to feed the underwriting algorithms to determine the limit of the credit line. In general, Defacto leverages 4 levels of data (public, financial historical and peripheral data). The initial credit limit is dynamically updated as your financial data changes. We are building a history together.

We help digital brands unlock the potential of their brand with founder-friendly capital, tools and services that accelerate growth. We analyze your sales data and account to offer custom growth funding that is fair, flexible, and easy. We'll send you an offer based on your business needs when we connect your accounts. Once approved, you will receive funding immediately and only pay back the money when your customers pay. Bloom uses encryption and best-in class security practices to keep your data secure. Our systems are hosted at Amazon's data centers, which have the highest certifications. Data is encrypted both in transit and at rest. Bloom can be used to fund your supply chains and pay for logistics, shipping, packaging and inventory.

Instant access to your annual cashflow. You can get up to the annual value of your monthly and quarterly subscriptions. Scale your business without any debt or dilution. Sync your existing billing platform. Our billing platform seamlessly integrates with your existing billing system to qualify and underwrite you business. Your customers won't notice that we exist. Choose your subscriptions. Pipe automatically tracks and generates offers for your full annual subscriptions. All your payout potential and instant capital are available in one central dashboard. Get paid immediately Instant transfers mean cash in just a few clicks There is no waiting or negotiating. You can fuel growth without sacrificing ownership or taking on debt. With newfound flexibility, acquire and retain customers. With our help, you can offer flexible payment terms and feel confident. You can win more deals without having to worry about delayed cash flow or low ACVs.

There are three types of term loans: RBFs, hybrid options, and term loans. It's all about finding the right fit for your business and your growth plan. We believe in speed and ensuring that you are fully informed so that you can move forward with confidence. We don't like information asymmetry or power dynamics. We created our platform to eliminate power dynamics and information asymmetry.

You can pay for anything in your local currency. No fees, no interest, no personal guarantees. Mobile-first, designed with your team in view. It has been difficult to coordinate payments among your global team. We have the perfect solution for international startups. Jeeves is a global expense management platform that's built from the ground up for fast-growing companies. Jeeves allows you to manage both credit card and other payments from within our mobile app. We understand how stressful it can be to run a business. Jeeves was built to make sure you have our back. Jeeves uses cutting-edge technology to protect your privacy and security. You can pay any invoice electronically. We will handle expense reconciliation. You can also pay us back in your local currency. We are here to help you grow your business.

Viceversa connects directly with companies accounts to obtain the information required to make investment management decisions and to receive data. Approval valuations can be completed in as little as three days. After the analyses are complete, companies receive funds within two weeks. Revenue share model: Investments are repaid in proportion to sales. Viceversa envisions a new funding model that is transparent and technological. This will allow companies to grow ethically and sustainably. We were both frustrated by shareholders demanding returns and the burden of meeting due dates. We decided to reinvent finance for growth. Revenue sharing is what you need in order to propel your company to new heights. Based on real business data, a solution that is tailored to your business.

RITMO is bringing modern fundraising to the South-European market through data and technology. This allows us to make capital more accessible to entrepreneurs and transparent. We are committed making capital more accessible for female entrepreneurs and sustainable-oriented companies. We make it possible for founders to raise capital without giving up control over their business. We fund their marketing campaigns between 50k Eur to 3m Eur for a flat rate, which is recouped via a revenue share model. We don't charge hidden fees or interest, which allows founders to access flexible and fair finance. RITMO is more than a revenue-based financial provider. We are a technology platform that helps our clients grow quickly and provides the fastest way to get funding.

Fund your growth with a new method. Requr turns your predictable recurring revenue into upfront capital. Get the upfront capital you need to grow your business without any dilution. You can also access more capital as you grow. You can keep control of your company with minimal effort. As you grow, increase your cash position and get more capital. Connect your existing tools to receive an ACV direct payout on your bank account. Direct access to capital for investments in S&M, people and product, expansion, and acquisitions. You can let your customers pay when and how they want, and you will receive the annual value upfront. No penalties or fees, just swap out churned agreements with active ones.

You can get funded in less than 2 weeks and then pay it back via revenue share. You never lose equity. You retain full control over your business. You control how you spend your money. Inventory, ads, new employees. Let's create something great together. We receive our investment back via revenue share. We want your revenue growth to be as long-term as possible, just like you. We usually send the funds within 2 weeks. We understand how important it can be to move quickly! We provide growth capital that is paid back via revenue share. We receive a monthly revenue share in return for our capital. This is for a period of 10-12 months. We do not take equity, personal guarantees or collateral. We provide funds within 1-2 weeks and offer transparent terms. If all goes well, we can continue the process on a regular basis, even after the first tranche has been paid back. Many of our clients are startups looking to increase their equity round valuation.

Silvr is Europe's leading financial provider for digital entrepreneurs. Over the past decades, financing businesses have not changed: banks prefer to finance assets, equity is not the right fit for all. Silvr empowers entrepreneurs by creating a world where funding can be easily accessed, scaleable, and free of equity. We use digital businesses data to predict future revenue and provide funding within 24 hours. We'll pay your invoices for suppliers if you transfer them to us. We'll finance your online purchase if you add the Silvr card in your advertising campaigns.

Gynger allows you to pay your SaaS bills upfront and then pay us back later. This will help you save money and increase your runway. Flexibility financing allows prospects to spread their payments over three to twelve months, which can be used to upsell. Prospecting qualified leads can help you build a pipeline. Flexible financing options for prospects with limited budgets can help you close deals faster. Offer existing customers financing options to finance a portion or all of their renewals. This will increase Net Retention. Gynger allows you to purchase these tools on flexible terms, regardless what your vendors offer. This will allow you to access the best products, while also saving money, increasing cash flow, and extending runway.

We are a group of entrepreneurs at Trade Funding who specialize in improving the cash flow of businesses. Our team offers support to business owners so they can feel more confident in their financial situation. We offer a variety of solutions to improve your cash flow.

Fundmates' mission to empower creators is to convert their future revenue streams to immediate capital. This allows them to maximize their potential for growth without sacrificing ownership. The creators can invest their funds in any way they choose, whether it's hiring a team, investing heavily in heavy equipment or even making a partial withdrawal, while still maintaining full control over their catalogs. Fundmates provides advanced growth technologies and detailed data insights to analyze the performance of current content, helping creators maximize growth potential. Our Values • Creators First: We provide tailored financing solutions that prioritize the needs of our creators and their growth. • Transparency - Clear, straightforward terms without hidden fees or conditions • More than just funding: Advanced growth technologies and detailed data insight to help creators maximize content and maximize potential. Key Benefits • Immediate Growth Capital - Access funds without giving ownership.