Revenue-Based Financing in Ontario, CA
Revenue-based financing gives Ontario companies funding that is repaid at a set percentage of every month's revenue, up to a set cap. One application reaches several funders.
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How does revenue-based financing work?
With a 1.30 cap in the example, the total repaid is fixed from day one; only the speed changes with sales.
What does a funder need to see?
Revenue history, the depth of the slowest months, existing advances and time in business. The share is set so an ordinary month can carry it.
Can payments ever rise?
Yes, in strong months, because the share stays at 8%. That ends the funding sooner, and the total never goes past the cap.
Who is revenue-based financing for in Ontario?
Here is how the trades on this page are represented among Ontario's 5,428 employers. Most are small: 2,538 have under five employees, while 806 have between 10 and 19.
| Trade | Businesses in Ontario | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 293 | 15.7 | 15.4 |
| Online retailers | 91 | 4.9 | 1.6 |
| Beauty and nail salons | 52 | 2.8 | 3.4 |
How do restaurants in Ontario use it?
For a restaurant, slow weeknights and busy weekend rushes decide the month; the payment follows. That trade has 293 locations here (15.7 per 10,000 residents).
Is revenue-based financing right for online retailers?
An online store's revenue rises and falls with sales events, holidays and ad results; in the lower months, the payment falls with it. Locally, 91 operate, 3.1 times the U.S. rate.
What makes beauty and nail salons a fit?
Fixed payments fight prom, wedding and holiday bookings. A revenue share moves with them, which suits a salon. Census data lists 52 in the city.
What is the cost for a restaurant?
For a restaurant with $102,000 in average monthly revenue, $56,000 at a 1.30 cap is repaid at 8% of sales: $8,160 in a typical month, $5,712 in a weak one.
| Example item | Value |
|---|---|
| Average monthly revenue (example) | $102,000 |
| Amount funded | $56,000 |
| Cap | 1.30 |
| Total repaid | $72,800 |
| Revenue share | 8% |
| Payment in an average month | $8,160 |
| Payment 30% below average | $5,712 |
| Payment 30% above average | $10,608 |
| Months to repay at average | 8.9 |
How do you compare offers?
Compare offers by cap first, then by how the share lands in your weakest month. Try your own numbers in the factor rate calculator.
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Which parts of Ontario are busiest?
ZIP 91761 has 2,910 employers, and its leading trade is trucking companies with 173 locations.
| ZIP code | Employers | Leading trade | Its locations |
|---|---|---|---|
| 91761 | 2,910 | Trucking companies | 173 |
| 91764 | 1,367 | Restaurants | 119 |
| 91762 | 1,207 | Trucking companies | 97 |
How do I get quotes on revenue-based funding in Ontario?
- Fill out the short application with your recent monthly revenue.
- A broker calls to confirm a revenue share your margins can carry.
- You compare caps, such as the example's 1.30, and sign the best fit.
What else should you consider?
If you already carry several advances, consolidation comes first. If margins are thin, even a small share can pinch in a slow month; a line of credit lets you borrow only for the gap.
Which neighboring cities can apply?
Closest on the list: Eastvale, 5 miles away. Largest: Chino, 3,061 employers.
| City | Distance | Employers |
|---|---|---|
| Eastvale, CA | 5 miles | 676 |
| Chino, CA | 6 miles | 3,061 |
| Montclair, CA | 6 miles | 1,028 |
| Upland, CA | 6 miles | 2,469 |
What should I ask before signing an RBF offer?
Is RBF a loan?
No. The funder buys a share of future revenue up to the cap; there is no set monthly payment.
How long does revenue-based funding take to pay back?
It depends on revenue. In the example, an average month of $102,000 pays $8,160, so the cap is reached within 9 months at that rate.
Are beauty and nail salons in Ontario eligible for revenue-based financing?
Many are, because they run on card payments for cuts, color and treatments. Funders still decide each file on deposits and time in business.
Shall we shop financing tied to revenue for your Ontario business?
Applying is free, and you never pay us a fee. Call 877-FUND-654 with any question. We call back, usually the same business day, and we talk with you before your file goes to any funder.