Which Financing Fits Your Store?

Not all capital is created equal. The right financing product depends on your business model, growth stage, and how you plan to use the funds. Here's how RiseFi's three core products compare.

Revenue-Based Financing

Best for: Merchants with consistent sales looking for flexible working capital.

• Repayment adjusts with daily sales
• No fixed monthly payments
• Typical funding: $10K - $750K
• Use for marketing, hiring, general growth

Business Line of Credit

Best for: Merchants who need ongoing access to capital with draw-and-repay flexibility.

• Revolving credit line
• Only pay interest on what you use
• Draw funds on demand
• Use for seasonal inventory, bridging cash flow

Inventory-Based Financing

Best for: Merchants with valuable inventory sitting in warehouses or 3PL facilities.

• Secured against existing inventory
• SKU-level valuation
• 60-80% loan-to-value ratios
• Use for unlocking cash tied up in stock

Making the Right Choice

Consider these factors when choosing:

1. Cash flow pattern — Steady sales favor RBF; seasonal businesses may prefer a credit line
2. Inventory value — High inventory value unlocks inventory-based financing options
3. Funding need — One-time capital injection vs. ongoing access to funds
4. Repayment preference — Automatic daily deductions vs. scheduled payments

Talk to Us

Still not sure? Our partnerships team can help identify the right product mix for your platform or business. Every merchant is different, and we build custom solutions.