Revenue-based financing for business – no collateral and no fixed repayments
A flexible working capital financing solution for e-commerce businesses and merchants using POS systems.
Who is revenue-based financing for?
For e-shops operating on Shopify, PrestaShop, WooCommerce, Amazon, and other third-party platforms.
For shops, cafés, restaurants, and service businesses that take payments via POS.
"For businesses that need working capital for growth, seasonal needs, or inventory.
How does this financing help grow your business?
Unlike a traditional loan, revenue-based financing works alongside your sales, not against them.
Inventory and better prices
Prepare for the season by ordering larger quantities of stock. This not only helps you avoid empty shelves but also allows you to negotiate supplier discounts, which often exceed the cost of the financing itself.
Investing in marketing
Secure your market share by investing in advertising or SEO when it’s needed most.
Quick response to opportunities
Don’t miss unexpected orders or supplier deals. With readily available funds, you can make decisions swiftly.
Flexibility during fluctuations
Unlike traditional loans, there are no fixed repayments. The amount you repay is directly linked to your revenue: sell less, pay less.
Why choose revenue-based financing?
Financing with no collateral.
No fixed repayment schedule – payments adjust according to your revenue.
Fast decision – the entire process is handled digitally.
Seasonal flexibility – lower payments when revenue is lower.
The majority of businesses that use this financing return for another stage of growth.
What is revenue-based financing for e-commerce businesses?
This financing model is simple and transparent: repayments are based on a percentage of your revenue. When your income grows, you pay more; when it goes down, your payments decrease accordingly. No fixed instalments, no unexpected surprises – just a flexible solution that adapts to the rhythm of your business!
Who is eligible for revenue-based financing?
Your e-commerce business generates at least 3,000 EUR in monthly revenue.
Your business has been operating for at least 6 months.
Your e-shop is built using a reliable third-party system.
How does it work?
Submit an application
Log in and provide the basic information about your business. It will only take a few minutes, and you can complete everything conveniently on your phone or computer.
Transparent one-off fee
Once you accept the offer, you will receive the funds directly into your Paysera account. Only a one-off funding fee applies – no additional or hidden fees.
Financing offer within 24 hours
Select the required financing amount and duration. We will provide a financing offer within 24 hours of evaluating the submitted data.
Repay based on revenue
Repayment is automatic, with an agreed portion of sales revenue directed towards repayment until the funding amount is repaid (up to 12 months).
A gift for you – free analytics of your data
FAQ
Softloans is a Paysera partner – a technology company that specialises in the development of data analytics and business financing solutions.
Yes. Funding is suitable for both e-businesses and physical (POS) points of sale, as well as other SME businesses.
This type of funding is named for its direct connection to business revenue. The loan is repaid as a pre-agreed percentage of the company’s income. This means that if revenue falls, the repayment amount decreases accordingly. Conversely, when the business performs well and revenue increases, repayments rise proportionally.
After submitting a very short e-application and completing integrations, you will receive a loan offer tailored to your business. Our financing has no repayment schedule, interest, or collateral. You will only pay a one-off financing fee. In each case, the financing offer is prepared individually.
Here is what a typical loan example might look like:
Loan amount – 9,000 EUR.
Duration – up to 12 months.
One-off administration fee – 11% or 990 EUR.
Loan interest – 0%.
Early repayment fee – none.
Repayment schedule – 15% of incoming revenue is allocated for loan repayment.
Softloans is responsible for the information and the provision of revenue-based financing services.