Retailers, traders, and businesses with fluctuating daily or weekly revenue.
Repay more on a good day, less on a slow one.
Revenue-Based Finance links repayment to your actual sales rather than a fixed calendar instalment.
What this can be used for
- Restocking inventory for a retail business
- Smoothing cash flow for a seasonal or variable-revenue business
- Funding working capital without a fixed instalment that ignores slow trading days
How it works
- 1Submit recent sales records and the amount needed
- 2ProActive assesses average revenue and sets a repayment percentage
- 3Receive a written offer showing the mechanism and estimated cost
- 4Accept, sign, and receive funds
- 5Repay as a share of revenue until the agreed amount is settled
Who is this for?
- Verifiable, regular sales activity
- Ability to provide sales records (e.g. till records, mobile money statements)
- Registered business or verifiable trading history
What you'll need to apply
- Sales records for a recent period
- Business registration or trading proof
- Applicant identification
Benefits
- Repayment structured as a share of revenue rather than a flat instalment
- Designed for businesses where income varies day to day
- Full cost and mechanism explained before you commit
This product is best suited to businesses with genuinely variable revenue — confirm the repayment mechanism is right for you before signing.
Frequently asked questions
Because repayment is linked to revenue, a day with no recorded sales means no repayment is due that day, subject to the terms of your specific agreement.
Estimate the cost of Revenue-Based Finance
Adjust the amount and tenure below for a rough, disclaimed estimate.
Enter an amount and tenure, then calculate an estimate.
Ready to apply for Revenue-Based Finance?
Apply online or start a conversation on WhatsApp.