Not every business financing need is tied to real estate. Revenue-based business loans are qualified primarily on the deposits flowing into your business checking account. Instead of relying mainly on tax returns or collateral, lenders review recent bank statements to understand cash flow, consistency, and how the business manages its balances.
These options can be useful for inventory, payroll timing, equipment, expansion, or bridging seasonal swings. I review every business loan request personally, then with one of NEXA Lending's in-house lenders, and I'll be straightforward about whether a revenue-based loan, an SBA loan, or another option makes more sense.
Common uses
- Working capital and cash-flow timing
- Inventory and supplies
- Equipment purchases
- Expansion, marketing, or hiring
- Short-term needs while longer-term financing is arranged
What lenders typically review
- Several months of business bank statements
- Average monthly deposits and consistency
- Time in business
- Existing business debt and balances
- Owner credit
How I work your business loans request
Here's how I work on every request. You send the basics: property or business, location, amount, and purpose. I personally review the scenario and ask whatever follow-up questions are needed to understand it properly. Then I review it with one of NEXA Lending's in-house commercial lenders, and together we look at realistic options. NEXA Lending provides access to a large network of commercial lenders, so the search isn't limited to a single bank's appetite.
You'll get a straight answer on what looks workable and what doesn't. If we move forward, I stay involved and work with the in-house lender and with you through closing. There is no cost or obligation to submit a scenario, and nothing on this page is an offer or a commitment to lend. Pricing and terms depend on the property, the borrower, and the market at the time.
Questions about business loans financing
Do I need to provide tax returns?
Revenue-based loans focus primarily on bank statements, though some lenders may ask for additional documents depending on the request.
How does this compare with an SBA loan?
Revenue-based loans are generally faster and lighter on paperwork, while SBA loans involve more documentation and different structures. I'll walk you through the trade-offs for your situation.
Nationwide lending, local office
We finance commercial deals nationwide, in states where NEXA Lending can legally fund. My office is in Kirkland, Washington, and I also work closely with borrowers across Washington, including Bellevue. Send the details and I'll confirm how your state and property fit.
Submit your deal
Send the basics and I'll review them personally. No cost or obligation.
