Revenue-Based Financing
Flexible capital for businesses ready to grow.
Arcadia Servicing provides revenue-based financing tailored to small and medium-sized businesses — fast decisions, transparent terms, and funding built around your future receivables, not just your credit score.
Seasoned principals
Built by a team with decades of combined experience across multiple revenue-based financing operations.
Fast decisions
Approvals in as little as a few hours, with funding available in as fast as one business day.
Transparent terms
You'll know the full cost of capital before you commit. No hidden fees, no surprises.
Personal service
Work directly with people who take time to understand your business — not a call-center queue.
The Basics
What is Revenue-Based Financing?
Revenue-Based Financing (RBF) isn't a loan. It's the purchase of a portion of your future sales, giving your business fast access to working capital. Approval is based on the strength of your cash flow — not just your credit scores.
- Not a traditional loan We purchase a share of your future receivables, so funding moves at the pace of your business.
- Approved on cash flow We look at the health of your revenue, which opens the door for businesses banks often overlook.
- Repayment that flexes Repayments are small, regular drafts from your business bank account that move with your sales.
"We fund the strength of your business — not just a number on a credit report."
— The Arcadia Servicing approach
How It Works
Funding in three straightforward steps
A simple, transparent process designed to get a decision in your hands quickly.
Apply
Share a few details about your business and connect your recent bank statements. It only takes a few minutes.
Get a decision
Our team reviews the health of your cash flow and follows up — often with a decision in a matter of hours.
Receive funds
Once you accept your terms, funds can reach your business bank account in as fast as one business day.
Who it's for: Arcadia is built for established businesses with consistent monthly revenue and an active business bank account. We weigh the health of your cash flow — not just credit scores — so strong, growing businesses can qualify.
Why Arcadia
A funding partner that works the way you do
Transparent by default
Clear terms and a total cost of capital you understand before you sign. We believe trust is built on no surprises.
Speed and certainty
Fast, straight answers and funding in as fast as one business day, so you can act on opportunity when it matters.
Guidance from real people
Experienced specialists who understand revenue-based financing and take time to structure funding around your goals.
For ISOs & Brokers
Partner with Arcadia
Send us your files and grow your book. ISOs and brokers earn competitive commissions on every funded deal — with aggressive buy rates, fast approvals, and a team that closes the paper others pass on.
- Top-tier commissions with transparent reporting
- Fast approvals and same-day funding for qualified merchants
- A dedicated relationship manager for every partner
Industries We Serve
Capital for the businesses that keep communities running
We work with established, revenue-generating businesses across a wide range of industries.
Our Story
Decades of revenue-based financing expertise, now under one roof.
Arcadia Servicing was founded by principals who came together from multiple prior revenue-based financing operations — bringing hard-won experience, lasting funding relationships, and a shared belief that businesses deserve capital that is fast, fair, and clearly explained.
Read our storyCommon Questions
Answers before you ask
Is revenue-based financing a loan?
No. Revenue-based financing is the purchase of a portion of your future sales, not a traditional loan. That structure lets us approve funding based on the strength of your cash flow rather than credit score alone.
How fast can I get funded?
Decisions can come in as little as a few hours, and approved funding can reach your business bank account in as fast as one business day.
What do I need to qualify?
Generally, an established business with consistent monthly revenue and an active business bank account. We weigh the overall health of your cash flow rather than relying on credit scores alone.
How does repayment work?
Repayments are made through small, regular drafts from your business bank account, structured to move with your sales rather than against them.
Will reaching out affect my credit?
Starting a conversation with our team to explore your options does not affect your credit. We'll always be clear about any next steps before you take them.
Get Started
Ready to grow your business?
Tell us a bit about your business and a funding specialist will reach out to explore your options. No obligation.