Revenue-Based Financing in South San Francisco, CA
Revenue-based financing funds a South San Francisco business now and takes a share of monthly revenue until a set cap is paid back. One application, several funders.
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What should a South San Francisco owner know about how it works?
Uneven months stop being a cash crunch, because the payment shrinks with them. The cap fixes the total no matter how fast it's paid.
What goes into the funder's review?
Monthly revenue over recent months and how far slow months fall below the average; a business averaging $94,000 gets a share sized to its margins.
How does the payment track the seasons?
The payment shrinks with revenue. At 8% of sales, a month 30% under average sends $5,264, so a restaurant keeps more money in the months when revenue dips.
Who in South San Francisco uses revenue-based financing?
Census counts show 2,018 employer businesses in South San Francisco; the table gives the local count and density for each trade discussed below. Most of the city's employers are small: 925 have under five employees, while 291 have between 10 and 19.
| Trade | Businesses in South San Francisco | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 109 | 16.8 | 15.4 |
| Online retailers | 31 | 4.8 | 1.6 |
| Landscaping companies | 18 | 2.8 | 3.4 |
Is revenue-based financing right for restaurants?
Uneven months from tourist seasons, holidays and the weather are the case this structure is built for, and a restaurant has them. Census data lists 109 in the city.
How do online retailers in South San Francisco use it?
For an online store, promotions, holidays and ad performance decide the month; the payment follows. There are 31 here, 1.5% of the city's employers.
When do landscaping companies reach for revenue-based financing?
Lean months from a busy growing season and a slow winter cost a landscaping company less under a revenue share. The city counts 18, at 0.8x the U.S. density.
How would the numbers look for a restaurant?
Sized for a restaurant: revenue $94,000 a month, funding $42,500, cap 1.25, share 8%. Average payment $7,520; weak-month payment $5,264.
| Sample case | Value |
|---|---|
| Average monthly revenue (example) | $94,000 |
| Amount funded | $42,500 |
| Cap | 1.25 |
| Total repaid | $53,125 |
| Revenue share | 8% |
| Payment in an average month | $7,520 |
| Payment 30% below average | $5,264 |
| Payment 30% above average | $9,776 |
| Months to repay at average | 7.1 |
What sets the cost?
The fewer swings in revenue, the lower the cap funders offer. Run your figures in the factor rate calculator.
Free to apply. You never pay us a fee. We call back, usually the same business day.
How big is South San Francisco's share of San Mateo County?
South San Francisco holds 2,018 of the 21,569 employer businesses in San Mateo County, 9% of the county total. The county has 29.0 employers per 1,000 residents; the city has 31.1.
| Employees | South San Francisco | San Mateo County |
|---|---|---|
| Under 5 | 925 | 11,840 |
| 5 to 9 | 383 | 3,871 |
| 10 to 19 | 291 | 2,647 |
| 20 to 49 | 245 | 1,925 |
How do I get financing tied to revenue in South San Francisco?
- Apply and share revenue for recent months.
- A broker phones to go over revenue swings and the share that fits them.
- Sign, and payments start as a share of the next month's revenue.
Who should skip revenue-based financing?
If revenue is steady month to month, the flexible payment adds little, and a same-day merchant cash advance or line of credit can be simpler. Need capital on top of an open advance? Look at a second position.
Which cities within 50 miles of South San Francisco do we serve?
San Bruno sits 4 miles from South San Francisco. Daly City counts 1,045 employer companies, the most within 50 miles.
| City | Distance | Employers |
|---|---|---|
| San Bruno, CA | 4 miles | 900 |
| Millbrae, CA | 4 miles | 521 |
| Burlingame, CA | 5 miles | 645 |
| Daly City, CA | 6 miles | 1,045 |
What do owners ask about RBF costs and terms?
How fast can I get RBF?
Funding follows the funder's review of revenue history, and a complete file keeps that review short.
Is revenue-based financing considered a loan?
No. The funder buys a share of future revenue up to the cap; there is no set monthly payment.
Are restaurants in South San Francisco eligible for revenue-based financing?
Many are, because they run on nightly card and takeout sales. Funders still decide each file on bank deposits and time in business.
Ready to see numbers on financing tied to revenue for South San Francisco?
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.