Revenue Based Financing in Athens, GA
Revenue based financing in Athens ties repayment to your daily receipts instead of locking you into rigid monthly payments.
Revenue based financing in Athens ties repayment to your daily receipts instead of locking you into rigid monthly payments.
Revenue based funding advances cash against future sales, then collects repayment as a percentage of daily card transactions. A typical structure withholds 8-18 percent of each Visa, Mastercard, or debit swipe until the agreed total is paid. There is no fixed term; if your Athens coffee shop has a quiet January, you remit less that month. If football Saturdays in downtown Athens pack your restaurant, repayment accelerates but your cash flow stays predictable. Because approval hinges on transaction volume rather than credit score alone, revenue based lending suits businesses with strong sales but thin collateral.
Lenders underwriting revenue based business funding look at three things: monthly card volume, time in business, and bank deposits. Most programs want at least $10,000 in monthly credit-card sales, six months of operating history, and a checking account that shows consistent revenue. Your personal FICO matters less than your point-of-sale data. Retail shops along Broad Street, food trucks at the Athens Farmers Market on Wednesday mornings, salons in Five Points, and service contractors in Bogart all use revenue based business loans when traditional banks say no. Startups under six months old face longer odds, but established businesses with seasonal swings find this structure forgiving.
Business owners in Athens and nearby communities deploy revenue based financing for inventory before UGA home games, kitchen equipment when a Watkinsville café expands, emergency HVAC repairs at a Winterville warehouse, or payroll during a slow quarter. Because repayment flexes with sales, you avoid the cash-crunch risk of a fixed business line of credit payment. One Hull auto-detail shop used revenue based lending to buy a second bay and hire a technician; winter revenue dipped, so winter payments dipped, and the owner never missed payroll.
How it works
Call (706) 963-2915 or visit our office at 1551 Jennings Mill Rd, Bogart, GA 30622 (fifteen minutes from downtown Athens via Macon Highway). We gather three months of merchant statements, recent bank records, and a short application. Within 48 hours we present options from multiple revenue based financing companies. You choose the offer that fits, and funding typically arrives in three to five business days. We broker the deal; you work directly with the funder on daily remittance. Our job is matching your sales pattern to the program with the best approval odds.
A gift boutique on Prince Avenue needed $40,000 to stock holiday inventory but could not pledge real estate for commercial real estate financing. Monthly card sales averaged $22,000. We brokered a revenue based loan that withheld 12 percent of daily card receipts. December was busy, so the shop paid back faster; February was quiet, so payments dropped to match. The owner restocked for spring without the anxiety of a balloon payment.
Asset based lending loan structures require collateral, equipment, inventory, or receivables, and carry fixed monthly obligations. Revenue based loans require no hard assets; your future sales are the collateral. If you own valuable machinery, an equipment financing deal or asset based loan may cost less. If your balance sheet is light but your register rings daily, revenue based financing often delivers faster approval and simpler terms. Neither is universally better; your approval odds depend on what you own versus what you sell.
Serving the Athens area
We know which lenders fund which kinds of Athens businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Why Athens owners trust Hazelcrest Group
Talk to a local advisor and get matched to the right program, no obligation.