73% of High Point businesses that apply for revenue based financing already carry traditional debt. That single fact explains why furniture manufacturers along Westwood Avenue and logistics operators near the I-85/Business 85 interchange increasingly explore revenue based funding: it sits outside conventional credit boxes and scales payments with cash flow instead of fixed monthly obligations.
Revenue based business funding provides working capital without fixed monthly debt service. The lender advances a lump sum, and you remit an agreed percentage of daily or weekly credit-card receipts and bank deposits until a predetermined total is repaid. Approval hinges on consistent revenue streams, not real estate or equipment pledges, making it practical for service businesses, wholesale distributors serving the furniture trade, and retail operators who lack hard assets but generate reliable sales.
High Point's concentration of showroom operators and contract logistics providers often find revenue based lending attractive because seasonal swings, Market weeks in April and October, for instance, mean cash flow varies dramatically month to month. A fixed loan payment during a slow February can strain working capital, while a percentage-based remittance automatically adjusts.
Revenue based lenders typically require six months of operating history and minimum monthly revenue thresholds, often around $10,000 to $15,000. Credit scores matter less than sales consistency. Businesses use revenue based loans for inventory purchases ahead of Market, digital marketing campaigns, hiring seasonal staff, or bridging gaps between large wholesale orders and supplier payment terms.
Consider a third-generation upholstery supplier on South Main Street. After landing a contract to outfit a new hotel chain's guest rooms, the owner needed fabric and foam inventory three months before the first invoice payment. Traditional banks wanted real estate collateral the business didn't own. Through Marshgate Funding at 3980 Premier Dr, High Point, NC 27265, the owner secured working capital structured as revenue based business funding, remitting 12% of weekly receipts until the advance was repaid. Payments automatically slowed during summer lulls and accelerated during Market weeks.
How it works
Call (336) 910-4745 to discuss your revenue pattern and funding need. We'll request three to six months of bank statements and credit-card processing reports, then present your profile to our network of revenue based financing RBF providers. Most decisions arrive within 48 to 72 hours, and funds often transfer within a week. Because we broker multiple capital sources, including SBA 7(a) loans and invoice factoring, we can compare revenue based lending against other structures to find the best fit for your High Point operation.
Visit our Service Areas page to confirm coverage, or explore our High Point commercial funding hub for additional program details.
Serving the High Point area
We know which lenders fund which kinds of High Point businesses, and we position your file where it fits.
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Common questions
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