Washington’s Revenue-Based Financing Fund
Smart financing for your growing business.
Supported by the Washington State Department of Commerce, the Revenue-Based Financing Fund can be customized to your specific needs, with flexible payments based on your business’s income.
Choose from financing options and partner with one of our trusted financial experts, who collaborate with you to find the best way forward.
Explore which financing option might be right for your business and get started today.
The Benefits of Revenue-Based Financing
An alternative to a traditional bank loan.
Revenue-based financing provides you with flexible upfront capital, and its payback terms are customized to your cash flow and fluctuate based on your revenue. It’s ideal for small businesses that are seasonal, may not have a consistent income, or require an alternative to a traditional loan.
Step 1: Find the right revenue-based financing product for you.
Step 2: Apply and get connected to our financial experts.
Step 3: Set a growth plan that determines your repayment terms.
Step 4: Get upfront capital and pay it back at a pace that aligns with your growth plan.
Financing Options
Choose the flexible financing option that best suits your business needs and get started today.
Ajust
- For larger businesses looking to grow
- 3-year term
- Working capital loan between $101,000 – $500,000
- 3% fee
- Monthly repayment
The Denkyem Loan
- For growing businesses looking to scale
- 3-year term
- For businesses that can’t access traditional loans
- Working capital loan between $10,000 – $100,000
- Fee is .1x principal
- Monthly repayment
Each of these financing options allows you the flexibility to spend your working capital on:
Equipment
Payroll
Rent and utilities
Renovations
Supplies
Inventory
Marketing and advertising
And more
Ajust from Grow America
A loan that adjusts to your revenue.
Ajust provides working capital loans with a flexible payback structure that fluctuates to the ebbs and flows of your business’s revenue. With loan amounts ranging from $101,000 to $500,000, it’s perfect for businesses that are looking to grow.
If you are an established business and have a strong cash flow to support a larger loan, Ajust could be a great financing option for you.
Eligibility
Businesses must be:
- In business for at least 3 years
- Located and registered to do business in Washington State
- Profitable
Terms
- 3-year term
- Monthly repayment
- 3% fee
- Loans between $101,000-$500,000
Grow America has decades of experience working with small business owners, and they’re dedicated to helping you access the financing you need to reach your business goals.
Are you an established business that’s looking for a larger loan?
The Denkyem Loan
Work closely with lenders dedicated to your business’s success.
A loan from Denkyem is a smaller loan that can support an immediate need or jumpstart your small business’s growth. If you’re looking to borrow between $10,000 and $100,000, consider pre-applying for this loan.
This financing option is available through Denkyem (DEN-chum), a Black-owned CDFI, and it allows for flexible payments so clients can focus on the strategy and growth of their business. While this financing option is open to all eligible Washington-based businesses, Denkyem is rooted in King County and has deep experience working specifically with Black-owned businesses there.
Eligibility
Businesses must be:
- Located and registered to do business in Washington State
- Generating revenue or have a plan towards profitability
- Highly engaged in their community
Terms
- For growing businesses looking to scale
- 3-year term
- For businesses that can’t access traditional loans
- Working capital of up to $100,000
- Fee is .1x principal
- Monthly repayment
The Denkyem team values long-term relationships with their clients, and their financial support services are tailored to your business’s needs.
Could your business benefit from a smaller loan that jumpstarts growth?
Our knowledgeable financial experts will steer you right.
They’re not like traditional banks. The Revenue-Based Financing Fund partners with nonprofit, community development financial institutions, or CDFIs, that have years of experience working with small businesses. They’ll work closely with you and offer financial guidance that is supportive, transparent and honest.
Grow America is the most experienced and comprehensive community and economic development nonprofit in the country, with decades of experience working with small businesses.
Denkyem (pronounced “DEN-chum”)
aims to create economic mobility within the Black community and beyond by providing affordable lending and personalized business support services.
Business Impact NW is a community development financial institution with years of experience connecting underbanked entrepreneurs to financial support.
This program is supported by the Washington State Department of Commerce and the US Department of Treasury.
The Washington Revenue-Based Financing Fund is supported by the Washington State Department of Commerce and the US Department of Treasury through the Washington State Small Business Credit Initiative (SSBCI). You can visit the agency’s website to learn more about how SSBCI provides additional capital to Community Development Financial Institutions (CDFIs) and participating lenders for small businesses and nonprofits throughout Washington, particularly those in historically underserved and under-banked communities.
Find the right financing option for you and get started today.