New York, NY - For small businesses navigating unpredictable demand cycles, fixed-term loans can be both restrictive and risky. FundKite is redefining access to capital with its Revenue Based Finance (RBF) program, a true Working Capital Loan alternative built to flex with a business’s actual sales performance. Instead of relying on traditional loan structures, FundKite purchases future receivables - giving merchants immediate access to capital while ensuring repayment adjusts naturally with sales.

This non-loan structure offers one of the most significant advantages available in alternative finance: no fixed repayment term. Merchants deliver a small, predetermined percentage of their gross sales, often around 10% until the purchased receivables have been fully collected. If sales slow, payments decrease automatically, offering protection during downturns, seasonal fluctuations, or unexpected events.

“Most businesses don’t run on predictable, fixed schedules, so their funding shouldn’t either,” said Alex Shvarts, CEO of FundKite. “Our revenue-based model moves with the business. When sales soften, the amount delivered to us softens too. It’s a safer, smarter solution for merchants who can’t afford the pressure of fixed loan payments.”

Structured as a true purchase of future receivables, FundKite’s product is fundamentally different from traditional debt. This allows businesses to avoid many of the burdens associated with loans, such as rigid monthly obligations, amortization schedules, and the threat of default during low-sales periods. Instead, repayment stays fully aligned with actual business performance.

For merchants generating between $1 million and $5 million in annual gross sales, FundKite typically advances around $110,000 in upfront capital. This lump sum enables owners to invest in inventory, cover operating expenses, manage payroll, purchase equipment, or stabilize cash flow without the constraints tied to a Working Capital Loan.

“Our merchants appreciate transparency and predictability,” Shvarts added. “With Revenue Based Finance, there’s a clear cost of capital and a repayment method that feels natural. Owners can focus on growing their business rather than worrying about making a fixed payment during a slow month.”

FundKite’s Working Capital Loan Alternatives offer key advantages for merchants in industries where revenue fluctuates, including:

• Restaurants and Hospitality - navigating seasonal traffic, supply disruptions, or variable demand.
• E-commerce Sellers - managing inventory cycles, peak seasons, and shipping cost spikes.
• Retailers - balancing sales lulls with high-demand periods.
• Service Businesses - experiencing project-based or cyclical revenue.

With repayment tied directly to gross sales, businesses maintain operational stability, protect cash flow, and reduce financial risk, particularly during challenging economic periods.

FundKite’s Revenue Based Finance program stands out as a modern, merchant-friendly solution for businesses that want capital without the weight and rigidity of traditional loans.

For more information about FundKite’s Working Capital Loan Alternatives, visit FundKite.com.

Media Contact

Name
FundKite
Contact name
Alex Shvarts
Contact phone
(807) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/