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Looking for fast, 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 like e-commerce, SaaS, and digital services. Whether you're scaling up marketing or managing seasonal inventory, this option allows you to maintain healthy cash flow. With Singapore’s maturing fintech ecosystem, more platforms now offer streamlined RBF applications, enabling quicker access to funds directly online.
Revenue Based Financing may be simple in repayment, but proper accounting is key to managing it effectively. Because RBF is neither traditional debt nor equity, it requires accurate categorization on your balance sheet—typically as a financial obligation under liabilities.
Businesses in Singapore must recognize the variable nature of repayment and ensure their cash flow forecasts account for fluctuations. Proper documentation also helps with compliance during audits and tax filing. Working with an accountant or financial advisor who understands the nuances of RBF can protect your financial integrity and support better 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 with experience in your sector—like tech, retail, or subscription models—as they better understand your growth trajectory and can structure the deal accordingly. A trusted RBF partner empowers your expansion without tying your hands.
Unlike traditional term loans, revenue based financing works by aligning your repayment with your income. Here's how it works: a business receives a lump sum of capital from a lender, and in return, agrees to repay a percentage of monthly gross revenue until a predefined multiple is met—usually 1.2x to 1.6x the original amount.
There are no fixed interest rates or maturity dates. If your sales dip, you pay less that month; if revenue increases, you pay more. This structure supports natural business rhythms and protects your liquidity—especially useful for early-stage and high-growth ventures in Singapore.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7% | 1% or S$200 whichever is higher | $0 | $2,970.18 |
| DBS | 6% | 1% | no | $2,899.92 |
| Maybank | 7% | 1-2% | $2,970.18 | |
| OCBC | 7.5 % | 1-2% | no | $3,005.69 |
| Orix | 8.5 % | 1-2% | no | $3,077.48 |
| Ethoz | 9 % | 1.25% | One time off $1,500 Commitement Fee | $3,113.75 |
| Funding Societies | 9.6 % | 7% | $3,157.61 | |
| SCB | 10.88 % | 1-3% | $288 | $3,252.39 |
* Rates Updated 14 Jul 2025 - 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–1.5x). There’s no fixed interest rate or fixed term, making 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, all 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, and vice versa. It’s a model built for businesses with fluctuating income, such as startups, subscription-based services, and digital retailers.
Here’s 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 5–15%) until you repay the agreed return cap—typically 1.3x to 1.5x the original loan. There’s no interest rate, no equity dilution, and no personal collateral required.
Key to this structure is real-time revenue tracking, which ensures that payments are dynamically linked to business performance. Lenders use payment processing data, bank statements, or accounting software integrations to monitor revenue. This provides transparency and automation, reducing administrative friction.
In Singapore, RBF is gaining momentum as businesses seek 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 looking 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/month—are ideal candidates. Industries such as e-commerce, SaaS, retail, and subscription-based services often meet these criteria. Good financial records and integrated payment systems improve eligibility.
Unlike term loans, RBF doesn’t require collateral or fixed monthly payments. It’s also non-dilutive—meaning you retain full ownership, unlike equity financing. RBF repayments are tied to your business performance, offering more cash flow flexibility.
The average RBF term ranges from 6 to 24 months, depending on the revenue performance and the agreed repayment multiple. Faster growth means quicker repayment, while slower periods won’t trigger penalties.
Yes. RBF can be used in conjunction with other funding sources like lines of credit, merchant cash advances, or venture debt, as long as your revenue can support multiple obligations. It’s often used as a short-term growth enabler.
RBF works best for businesses with predictable, recurring income—think SaaS companies, e-commerce brands, or service providers with consistent monthly sales. If your revenue fluctuates heavily or is seasonal, ensure you can still meet minimum cash flow needs during low-income periods.
While RBF doesn’t carry interest in the traditional sense, it has a repayment cap—often 1.3x to 1.5x the amount funded. Always compare this total cost with other funding models, especially if your business is growing rapidly and will repay the loan quickly.
Select RBF lenders that offer seamless API integrations with your payment processors, accounting platforms, or POS systems. This ensures real-time tracking and hassle-free remittance.
Lenders will 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—not just to cover short-term deficits. This ensures the financing fuels 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.
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.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
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