Revenue-Based Financing in Centennial, CO
A Centennial business with seasonal sales can take revenue-based financing and pay less when revenue dips. We send your file to the funders that offer it.
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How does revenue-based financing work for a Centennial business?
You agree on two numbers, a revenue share and a cap. Each month the funder takes the share; when the cap is reached, the deal is done.
What will a funder ask for?
Monthly revenue over recent months and how far slow months fall below the average; a business averaging $89,000 gets a share sized to its margins.
What should the money fund?
Costs that pay back over several months, such as a second dining room or a catering kitchen. Repayment then rises as that investment brings in revenue, and eases when it doesn't.
Which Centennial businesses is revenue-based financing built for?
Centennial's 3,998 employer companies include the trades below, each shown with its local count. Of them, 56% employ fewer than five people, and 376 employ 20 to 49.
| Trade | Businesses in Centennial | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 190 | 17.5 | 15.4 |
| Beauty and nail salons | 78 | 7.2 | 3.4 |
| Landscaping companies | 32 | 2.9 | 3.4 |
Why do Centennial restaurants use revenue-based financing?
A restaurant's revenue rises and falls with tourist seasons, holidays and the weather; in the lower months, the payment falls with it. Census data lists 190 in the city.
How does revenue-based financing fit beauty and nail salons?
For a salon, holidays, wedding season and back-to-school weeks decide the month; the payment follows. Centennial counts 78 of them, 2.0% of local employers.
What does revenue-based financing solve for landscaping companies?
Ask a landscaping company about a peak growing season and quiet winter months and you hear why a percentage beats a set bill. Census counts 32 in Centennial; that's 2.9 per 10,000 people.
What would a restaurant pay for revenue-based financing?
Picture a restaurant averaging $89,000 a month that takes $44,500. With a cap of 1.25, the total repaid is $55,625, collected at 7% of revenue. The payment is $6,230 in an average month, falls to $4,361 when sales drop by 30%, and rises to $8,099 when they climb by the same margin.
| Sample figure | Value |
|---|---|
| Average monthly revenue (example) | $89,000 |
| Amount funded | $44,500 |
| Cap | 1.25 |
| Total repaid | $55,625 |
| Revenue share | 7% |
| Payment in an average month | $6,230 |
| Payment 30% below average | $4,361 |
| Payment 30% above average | $8,099 |
| Months to repay at average | 8.9 |
How do you compare offers?
Steady revenue through weaker months earns a lower cap. Check other amounts with the factor rate calculator.
Free to apply. You never pay us a fee. We call back, usually the same business day.
How do Centennial employers compare with the rest of Arapahoe County?
Measured per resident, Centennial has 36.8 employers per 1,000 people and Arapahoe County has 29.9. In raw numbers, that is 3,998 in the city out of 20,137 in the county.
| Employees | Centennial | Arapahoe County |
|---|---|---|
| Under 5 | 2,256 | 11,647 |
| 5 to 9 | 631 | 3,219 |
| 10 to 19 | 464 | 2,341 |
| 20 to 49 | 376 | 1,756 |
How do I get quotes on revenue-based funding in Centennial?
- Open the form and note average revenue ($89,000 in the example).
- We call to check which share fits your margins in a lean month.
- Sign, and payments start as a share of the next month's revenue.
Is revenue-based financing ever the wrong tool?
Need capital on top of an open advance? Look at a second position. 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.
Which cities within 50 miles of Centennial do we serve?
Parker is the closest, 8 miles away. Aurora is the largest business market within 50 miles, with 7,010 employers.
| City | Distance | Employers |
|---|---|---|
| Parker, CO | 8 miles | 671 |
| Englewood, CO | 8 miles | 1,223 |
| Littleton, CO | 8 miles | 1,816 |
| Aurora, CO | 11 miles | 7,010 |
What should Centennial businesses know about financing tied to revenue?
What percentage of revenue do RBF funders take?
It's set from margins and revenue history; the example uses 7%. Funders aim for a share an average month can carry.
How long does it take to repay RBF?
It depends on revenue. In the example, an average month of $89,000 pays $6,230, so the cap is reached within 9 months at that rate.
What does a salon need to get revenue-based financing?
Recent bank statements and a few minutes for the application. Centennial's 78 beauty and nail salons apply the same way as any other business.
Ready to send your Centennial file for revenue-based financing?
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.