5 Minutes Approval & Up to 1% Cashback*
We Promise ...
Quick 5 Minutes Approval
$100 Grocery Voucher*
Up to 1% Cashback*
Looking for fast and flexible funding in Singapore? Revenue Based Financing (RBF) provides businesses with access to capital without giving up equity or using physical assets as collateral.
Instead of rigid loan repayments, RBF adjusts based on your monthly revenue, making it ideal for dynamic sectors such as e-commerce, SaaS and digital services. Whether you are scaling marketing efforts or managing seasonal inventory, this option allows you to maintain healthy cash flow. With Singapore’s maturing fintech ecosystem, more platforms now provide streamlined RBF applications that enable quick online access to funds.
Revenue Based Financing may offer simple repayment but proper accounting is crucial for effective management. Because RBF is neither traditional debt nor equity, it requires accurate categorization on your balance sheet as a financial obligation under liabilities.
Businesses in Singapore must recognize the variable nature of repayment and ensure cash flow forecasts reflect potential fluctuations. Proper documentation also supports compliance during audits and tax filing. Working with an accountant or financial advisor who understands the structure of RBF protects financial integrity and supports long-term planning.
Choosing the best revenue based financing company involves more than just comparing rates. You need transparency, responsiveness and a repayment structure that matches your revenue cycle.
In Singapore, top RBF providers offer fast onboarding, tailored funding packages and integrations with accounting software or sales platforms for real-time tracking. Look for firms experienced in your sector such as technology, retail or subscription models because they understand growth trajectories and can structure deals effectively. A trusted RBF partner empowers your expansion while keeping your operations flexible.
Unlike traditional term loans, revenue based financing works by aligning repayment with income. A business receives a lump sum of capital from a lender and agrees to repay a percentage of monthly gross revenue until a predefined multiple is met, usually between 1.2 and 1.6 times the original amount.
There are no fixed interest rates or maturity dates. If sales decline, the monthly payment decreases. If revenue rises, the payment increases. This structure follows natural business rhythms and protects liquidity, making it especially useful for early-stage or high-growth ventures in Singapore.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 01 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Revenue Based Financing (RBF) is an innovative funding structure designed for modern businesses seeking flexible capital solutions.
Unlike traditional term loans or equity financing, RBF allows businesses to raise funds without giving up ownership or committing to rigid monthly repayments. Instead the lender receives a fixed percentage of your business’s ongoing revenue until a pre-agreed return cap is met.
This model is particularly attractive to SMEs, SaaS providers, e-commerce platforms and other digitally enabled ventures with recurring or scalable income streams. With RBF, repayment schedules automatically adjust in line with your business performance so during slower months your payment obligations reduce accordingly. This alignment ensures better cash flow management and mitigates financial strain.
The typical RBF arrangement includes an upfront capital injection ranging from SGD 20,000 to over SGD 500,000 depending on your revenue levels and business profile. The repayment continues until the lender recovers a multiple of the funded amount (commonly 1.3x to 1.5x). There is no fixed interest rate or fixed term which makes this a highly adaptive financing tool.
In Singapore, Revenue Based Financing is emerging as a preferred option for growth-oriented businesses that want to scale operations, launch new products or expand regionally without the burden of traditional debt. It offers speed, flexibility and alignment with revenue while preserving equity and maintaining full control over your company’s direction.
Revenue Based Financing (RBF) operates on a straightforward principle: your business receives a lump sum of capital in exchange for a share of future revenues. Unlike conventional business loans that require fixed monthly repayments, RBF is performance based. This means your repayments scale with revenue. Higher earnings result in higher repayments while lower earnings lead to smaller payments. It is a model designed for businesses with fluctuating income such as startups, subscription based services and digital retailers.
Here is how it works: your company secures a pre-approved funding amount from a revenue based lender. You then agree to remit a fixed percentage of your gross monthly revenue, often 5 to 15 percent, until you repay the agreed return cap which is typically 1.3x to 1.5x of the original loan. There is no interest rate, no equity dilution and no personal collateral required.
Key to this structure is real time revenue tracking which ensures that payments remain closely linked to business performance. Lenders use payment processing data, bank statements or accounting software integrations to monitor revenue. This provides transparency and automation that reduce administrative friction.
In Singapore, RBF is gaining momentum as businesses look for faster tech driven financing alternatives to meet working capital needs, marketing budgets or product development costs. Its flexible repayment model, minimal paperwork and quick disbursement often within days make it a smart option for growing enterprises seeking to stay agile.
Revenue Based Financing is a flexible funding method where businesses receive capital in exchange for a percentage of future gross revenues until a fixed repayment cap is met. Unlike traditional loans, repayment adjusts in real time based on monthly sales performance.
Companies with consistent or growing monthly revenue, typically over SGD 10,000 per month, are ideal candidates. Industries such as e-commerce, SaaS, retail or subscription based services often meet these criteria. Good financial records and integrated payment systems improve eligibility.
Unlike term loans, RBF does not require collateral or fixed monthly payments. It is also non dilutive which means you retain full ownership unlike equity financing. RBF repayments are tied to your business performance to provide more cash flow flexibility.
The average RBF term ranges from 6 to 24 months depending on revenue performance and the agreed repayment multiple. Faster growth results in quicker repayment while slower periods do not trigger penalties.
Yes. RBF can be combined with other funding sources such as lines of credit, merchant cash advances or venture debt as long as your revenue can support multiple obligations. It is often used as a short term growth enabler.
RBF works best for businesses with predictable recurring income such as SaaS companies, e-commerce brands or service providers with consistent monthly sales. If your revenue fluctuates heavily or follows seasonal cycles, make sure you can still meet minimum cash flow needs during low-income periods.
While RBF does not carry interest in the traditional sense, it has a repayment cap that is often 1.3x to 1.5x of the amount funded. Always compare this total cost with other funding models, especially if your business is growing quickly and will repay the loan faster.
Select RBF lenders that provide seamless API integrations with your payment processors, accounting platforms or POS systems. This allows real time tracking and hassle free remittance.
Lenders rely on your gross revenue data to determine repayment. Keep your financial statements updated and accurate to avoid discrepancies that could delay funding or increase scrutiny.
Use RBF strategically for marketing campaigns, inventory expansion or product development rather than just covering short term deficits. This ensures the financing drives growth that offsets the cost of capital.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Have a question? Ask us about anything!
You're in good hands. Our team is happy to answer all of your question. Fill out the form and we'll be in touch as soon as possible.