Revenue-Based Funding
Quick and efficient access to capital.
- Funding amount
- $5K – $500K
- Funding speed
- 24–48 hours
- Repayment
- Daily or weekly ACH
Business funding
Business funding from $5,000 to $1 million at every stage
Wherever you are on the climb, one short application reaches 80+ lenders. No application fee, and no obligation.
- No application fee
- No obligation
- Same-day funding
- No collateral required
The application is the way in, and it takes about two minutes.
Where you are on the climb
Know your footing before you pick a route.
Time in business is the first thing a lender reads. Here is what each stretch of the climb tends to look like from their side, and what usually opens up there.
1Under 1 Year
21-2 years
33-5 years
46-9 years
510+ years
-
Under 1 Year
Base camp
There is not much history yet, so a lender leans on what there is: the deposits going through the account, card takings, and the owner's own credit.
- Recent bank deposits
- Card sales so far
- The owner's personal credit
Most often opens up
-
1-2 years
The first ridge
A full year of statements changes the conversation. Lenders can see a seasonal pattern instead of guessing at one, and more doors open.
- Twelve months of statements
- Whether revenue is steady or climbing
- How existing debt is being paid
Most often opens up
-
3-5 years
Open ground
The business has been through a few seasons and come out the other side. A facility that sits ready, rather than one lump sum, becomes a realistic ask.
- Several seasons of revenue
- Business credit, not just personal
- Margins over time
Most often opens up
-
6-9 years
High ground
A long record is the strongest thing an application can carry. It is usually the stretch where a sizeable term loan for a second site or a large contract makes sense.
- A long repayment record
- Assets the business owns
- What the money will build
Most often opens up
-
10+ years
The long view
Established businesses are generally looked at for all six programmes, and for amounts toward the top of each range. The question becomes which shape suits the plan.
- Decade-long financials
- Ownership and succession
- The plan for the next stretch
Most often opens up
These are tendencies, not rules. Lenders decide, and a strong run of sales can count for more than a long history. A business of any age can apply.
The application
Start your application
About two minutes: the amount, your details, how long you have been trading and a rough monthly figure. Free to send, and nothing is agreed until you accept.
The application is the way in, and it takes about two minutes.
How it works
Three steps, and the specialist walks them with you
Short to send. The legwork of finding the lenders who fund your stage is ours.
Step 01
Say where you stand
How much you need, how to reach you, how long you have been trading and roughly what you take in a month. No documents to dig out first.
- A couple of minutes
- Nothing to pay
- Nothing to sign yet
Step 02
Matched to lenders who fund your stage
A specialist reads the application the way a lender will, then takes it to the lenders in the network that fund businesses at your point on the climb.
- Time in business read first
- One application, many lenders
- Offers brought back together
Step 03
Pick your route, then go
You see each offer's amount, term and what it costs in total, and you choose. Once approved, the money can land in as little as 24 hours.
- Total cost laid out
- You choose, or walk away
- Funds in as little as 24 hours once approved
The six
Six routes up
Each one suits a different stretch and a different kind of need. The figures are the network's published ranges for each.
Working Capital
Funding your day-to-day operations.
- Funding amount
- Up to $1M
- Funding speed
- Within 24–48 hours
- Cost
- Starting at 4.5%
- Repayment
- Daily or weekly ACH
Short Term Business Loan
Fund your business on your terms.
- Funding amount
- $10K – $1M
- Funding speed
- As quick as 1–2 days
- Cost
- Beginning at 6%
- Term
- Up to 24 months
Equipment Financing
Equipment for virtually any industry.
- Loan amount
- Up to $250K
- Term
- 1–5 years
- Cost
- As low as 8%
- Repayment
- Monthly
Business Line of Credit
Flexible financing, there when you need it.
- Funding amount
- Up to $1M
- Term
- 6 months to 3 years
- Cost
- Starting at 4.5%
- Funding speed
- Within 1–2 days
Term Loan
The classic way to fund a bigger move.
- Loan amount
- $20K – $1M
- Funding speed
- Within 24 hours
- Loan term
- 1–2 years
- Interest rate
- As low as 6%
Firm footing
A few things that hold at every stage
Whatever stretch you are on, the way we deal with you does not change.
- Asked the right questions
- A business in its first year is not judged by a ten-year yardstick. We start from where you actually are.
- No route forced on you
- If the offers on the table do not suit the plan, you can say no and nothing follows.
- The whole cost, up front
- Every offer is set out with what it costs over its full term before anything is signed.
- Free from start to finish
- There is no fee to apply and no charge for seeing what you qualify for.
The network's figures
The network this application reaches
80+lenders in the network
25,000businesses funded
24 hrsto funding once approved
These figures belong to the lending network Highland Business Funding works through, not to Highland on its own.
Ready when you are
Wherever you are on the climb, start from there.
The application asks how long you have been trading for a reason. Answer it honestly and the offers that come back will fit the ground you are on.
