Revenue-Based Financing in Memphis, TN
Revenue-based financing gives a Memphis business a lump sum repaid as a share of monthly revenue, so payments shrink in lean months. We send one application to funding partners that offer it.
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How is revenue-based financing structured?
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.
How do funders decide?
Monthly revenue over recent months and how far slow months fall below the average; a business averaging $91,000 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 trades in Memphis benefit most?
Restaurants are the biggest of these trades locally, with 906 of the city's 13,000 employer businesses. That works out to 21.3 employer companies per 1,000 residents; 44% of them have fewer than five on payroll.
| Trade | Businesses in Memphis | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 906 | 14.9 | 15.4 |
| Clothing and accessories stores | 247 | 4.1 | 3.5 |
| Convenience stores | 92 | 1.5 | 1.0 |
Is revenue-based financing right for restaurants?
A share of revenue moves with tourist seasons, holidays and the weather, which fits how a restaurant earns. Memphis has 906 of them, 14.9 per 10,000 residents (U.S.: 15.4).
What makes clothing and accessories stores a fit?
A clothing store's revenue rises and falls with holiday shopping and seasonal changeovers; in the lower months, the payment falls with it. Local count: 247, 1.2 times the national rate per resident.
Why would convenience stores pick revenue-based financing?
Weather and road traffic make a convenience store's months uneven; the payment follows revenue down and up. There are 92 here, 0.7% of the city's employers.
How would the numbers look for a restaurant?
A restaurant averaging $91,000 a month takes $45,500 with a 1.25 cap. At 7% of revenue, an average month pays $6,370 and a month 30% lower pays $4,459.
| Sample figure | Value |
|---|---|
| Average monthly revenue (example) | $91,000 |
| Amount funded | $45,500 |
| Cap | 1.25 |
| Total repaid | $56,875 |
| Revenue share | 7% |
| Payment in an average month | $6,370 |
| Payment 30% below average | $4,459 |
| Payment 30% above average | $8,281 |
| Months to repay at average | 8.9 |
What makes an offer cheaper?
Compare quotes by cap first, then by how the share lands in your weakest month. The factor rate calculator lets you test other amounts.
Free to apply. You never pay us a fee. We call back, usually the same business day.
Which parts of Memphis are busiest?
Trucking companies lead ZIP 38118, at 73 of its 1,387 employers.
| ZIP code | Employers | Leading trade | Its locations |
|---|---|---|---|
| 38118 | 1,387 | Trucking companies | 73 |
| 38134 | 1,265 | Restaurants | 79 |
| 38119 | 980 | Physicians' offices | 75 |
| 38104 | 903 | Restaurants | 114 |
| 38103 | 834 | Restaurants | 85 |
| 38117 | 825 | Restaurants | 74 |
Where do Memphis owners apply for RBF?
- Send the application with your monthly revenue, $91,000 on average in the example.
- We call to check which share fits your margins in a slow month.
- You compare caps, such as the example's 1.25, and sign the best fit.
What else should you consider?
Skip it when the share would cut into payroll in a weak month. For short gaps that repeat, a business line of credit fits better. For one urgent cost, a same-day advance is faster. Revenue-based financing pays off when months are uneven.
Which nearby cities do we also cover?
Germantown is the closest, 11 miles away. Southaven is the largest business market within 50 miles, with 1,226 employers.
| City | Distance | Employers |
|---|---|---|
| Germantown, TN | 11 miles | 1,223 |
| Southaven, MS | 11 miles | 1,226 |
| Horn Lake, MS | 12 miles | 335 |
| Bartlett, TN | 12 miles | 1,073 |
What does a Memphis business need to know about RBF?
How is the revenue share percentage decided?
Funders set it from your margins and revenue history so that an average month can carry it.
What credit do I need for RBF?
Revenue history matters more than credit. Funders read monthly revenue first.
Are convenience stores in Memphis eligible for revenue-based financing?
Many are, because they run on daily money and card sales. Funders still decide each file on deposits and time in business.
Want revenue-based funding offers for your Memphis 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.