Revenue-based loan
Sized on sales and bank statements, no property required. Suits growing businesses with strong, regular takings.
Revenue-based finance
Revenue Based Business Loans for Growing Australian Businesses
Your sales are your strongest asset. Revenue based business loans use what your business earns to decide how much you can borrow.
Sales as security
What is a revenue based business loan?
A revenue based business loan is finance sized on the revenue your business generates rather than on property, equipment or other assets. The lender looks at how much comes in each month, how consistent it is and how it's trending, then works out an amount the business can comfortably repay from future sales.
It's a natural fit for modern businesses whose value sits in their customers rather than their buildings: online stores, subscription services, agencies, clinics, hospitality venues and trades with a strong order book. Many of these businesses are thriving but don't own property, or simply don't want to offer the family home as security.
In Australia, revenue-based options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements. Same-day funding is possible for smaller amounts when your statements are ready and the request sits comfortably within your monthly sales. If your sales are strong and steady, start the 60-second enquiry to see what they could support.
Revenue based business loans are unsecured loans sized on a business's monthly revenue and bank statements rather than property. In Australia, they're typically $5,000 to $500,000 for trading businesses, with same-day funding possible for smaller amounts. Some revenue-based products link repayments to sales, while others use fixed daily, weekly or monthly repayments, depending on the lender.
Revenue vs assets
How does revenue-based lending compare?
Different lenders value different things. Here's where revenue-based finance fits.
Property-secured loan
Sized on equity, from $20,000 up to $5,000,000. Suits larger needs where property is available as security.
Equipment finance
Sized on the asset being bought, which becomes the security. Suits specific machinery, vehicles or fit-out items.
How does revenue based finance work?
The process starts with your bank statements, and sometimes your sales platform or accounting software. The lender studies your monthly revenue, how much it moves around, the seasonality of your trade and what other debts are already being serviced. From that picture they decide how much they're comfortable lending.
Repayments come next. With some revenue-based products, repayments rise and fall with your sales, so a quiet month means a smaller repayment. Others use fixed daily, weekly or monthly amounts. Both can work well; the right choice depends on how predictable your income is.
Which businesses suit revenue based business loans?
Lenders like businesses with a proven, regular flow of sales. These are typical fits.
- Online retailers and ecommerce brands with steady order volumes
- Subscription and membership businesses with recurring income
- Cafes, restaurants and bars with daily card takings
- Agencies and professional services on monthly retainers
- Clinics and allied health practices with regular bookings
- Trades businesses with a consistent stream of paid jobs
What can I use revenue based funding for?
Most owners use it to fuel growth that will pay for itself: a stock order ahead of a big sales period, a marketing campaign, a new hire, a second location or a product launch. Because the loan is sized on revenue, it naturally suits spending that lifts revenue further.
As an illustration, an online homewares store sees orders climbing ahead of the Christmas season but needs to pay suppliers before the sales arrive. A revenue-based loan funds the stock order, the season delivers, and repayments are covered by the extra sales. For stock-specific options, see stock and inventory finance.
Apply today… cashed up tomorrow!
Need the funds this week?
Start the 60-second enquiry now. When your documents are ready and the deal is straightforward, being cashed up as soon as tomorrow is possible for eligible applicants.
How much revenue do I need to qualify?
There's no universal cut-off, as each lender sets its own criteria. In general, higher and more consistent revenue supports a larger loan, and a longer trading history gives lenders more to work with. A business with a few strong months and a lot of gaps will usually be offered less than one with steady deposits all year.
The best way to find out is to share your real numbers. Our guide on how much your business can borrow walks through the factors lenders weigh, and how lenders read bank statements shows what they look for.
What are the pros and cons of revenue-based loans?
The biggest advantage is that your home stays out of it. You're borrowing against what the business does every day, not what you own. Approval can be quick because there's no property to check, and the amount tends to grow as your revenue grows, so the funding scales with the business.
The trade-offs are worth knowing too. Amounts are capped by your revenue, so very large needs may require security. Frequent repayments need careful cash management in quieter weeks. And a business with patchy or falling sales may be offered less than it hoped. Weigh these against your plans before you commit.
Is revenue based lending more expensive than secured lending?
Unsecured lending generally reflects more risk for the lender than a loan secured by property, and pricing usually follows that. But every loan is priced on the borrower's circumstances, including revenue strength, term, track record and the lender involved.
If you have property and need a larger amount, a secured business loan may suit you better. If speed and keeping your home out of it matter most, revenue-based finance is often the cleaner option. Bad credit and ATO debt are considered case by case either way.
See what your revenue can unlock
The enquiry takes about 60 seconds, and there's no credit check when you first get in touch. A real person reviews your situation, and your details aren't passed around to a crowd of lenders.
Please fill in the form accurately, especially your monthly revenue and time in business. Those figures drive the whole assessment, and getting them right is what lets us match you first time. All loans are subject to lender approval.
Trust and process
Clear, secure finance enquiries
Loanster keeps the enquiry process straightforward: no credit check to enquire, a real person looks at your situation, and your details are not sprayed out to a pile of lenders.
Secure online enquiry
Personal details are submitted through a secure form and are not sent through URL query strings.
Australian business context
Enquiries can include ABN, BAS, ATO, bank statement and asset details where relevant.
Lender criteria apply
Approval, pricing, loan amounts and funding times depend on lender assessment.
Clear next steps
Loanster helps identify what information may be needed before a lender can make a decision.
Common questions
Revenue Based Business Loans for Growing Australian Businesses FAQs
What is revenue based financing?
It's business funding sized on your revenue rather than assets. Lenders assess your sales and bank statements to decide how much you can borrow and how repayments are structured.
Do revenue based loans need property security?
No. They're unsecured and typically $5,000 to $500,000 for trading businesses, though a director's guarantee is commonly requested.
How fast can I get a revenue based business loan?
Same-day funding is possible for smaller amounts when your bank statements are ready and the request fits your revenue.
Are repayments a percentage of my sales?
With some products, repayments flex with sales; with others they're fixed. The structure depends on the lender, so check the loan documents carefully.
Can a startup get revenue based finance?
It's difficult without trading history, because the loan is sized on revenue. Newer businesses may find options on our startup business funding page.
Is revenue based lending the same as a cash flow loan?
They're closely related, as both are sized on trading rather than assets. See fast cash flow loans for the cash-flow side.
Related finance options
Explore connected Loanster pages
Fast Cash Flow Loans Based on How Your Business Trades
No property? No problem. Fast cash flow loans are assessed on your takings and bank statements, so a busy trading business can move quickly.
Unsecured Business Loans Australia
Explore unsecured business loan options for Australian businesses that need fast, flexible funding without using property as security.
Business Expansion Loans for Growing Australian Businesses
A bigger contract, a second site or a new crew. Growth rarely waits for your bank account to catch up, so here is how to fund it quickly.
Stock and Inventory Finance to Buy When the Deal Is On
Shelves to fill, a bulk discount expiring Friday or a peak season around the corner? Stock finance puts the cash in your hands before the sales arrive.
All business loan options
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Tell Loanster what kind of finance you are looking for and the team will guide you through the next step. Please fill in the form accurately so we can match you first time. Finance is subject to lender approval, eligibility criteria, terms and conditions.
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Last reviewed: 24 October 2026
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