Bank payments
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Loan to Commercial BusinessesInnovative business loan with no collateral, interest and repayment schedule, within 24 hours*
Grow your e-commerce business without any restrictions!
*Financing service is provided by MakeCommerce partner Softloans, UAB
What is revenue-based financing?
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Loan within 24 hours
A fully digitized process ensures quick loan disbursement. No paperwork or lengthy forms – filling out the loan application is completely stress-free.
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Loan without collateral
The loan offer is based on real business data. The revenue-based financing model provides all the necessary guarantees for both you and the lender.
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Loan without repayment schedule
The loan is repaid as a percentage of your business’s revenue. Rapidly growing sales mean the loan is paid off faster. If sales slow down, the loan repayment also slows down.
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Interest-free
Financing occurs after a one-time contract fee – with no interest charges and no hidden costs.
How to apply for revenue-based financing?
1. Provide your personal and business information.
Sharing information is extremely quick and easy. No long forms, questionnaires, or endless pages.
2. Choose the desired loan amount and repayment period.
We will create a loan offer based on the information you provide, also taking into account your preferences.
3. Grant access to your business data.
Access to your business data allows us to quickly and accurately assess the loan application and prepare an offer – no additional forms or paperwork needed.
Free data analysis – insights into your business opportunities
As part of the loan offer process, we analyze your company’s data and create a structured business analysis. Therefore, we provide a free overview of your business. Submit a loan application now and receive a complimentary data analysis that will help you understand your business opportunities and grow your company by making data-driven decisions.
FAQ
Who qualifies for revenue-based loan?
The funding is open to legal entities that have been operating for more than 12 months and have a monthly turnover of at least €3,000. If the loan is granted to a legal entity operating in a physical store, payments must be accepted at the store using MakeCommerce POS terminals. If the loan is granted to an e-shop, payments collection must be made through MakeCommerce.
What are the conditions for a loan?
You will only pay a one-time loan fee, which can be as low as 8% of the amount of the loan issued.
Here is what a typical loan example might look like:
- Loan amount: €9,000
- Duration: up to 12 months
- One-time administration fee: 8% or €720
- Loan interest: 0%.
- Charge for early repayment of the loan: €0.
- Repayment schedule: 15% of incoming revenue is allocated to loan repayment.
Why are the integrations necessary, and are they safe?
The integrations enable us to implement the revenue-based financing model, avoid requiring collateral, and eliminate a fixed repayment schedule. The data we receive helps us accurately assess business growth potential and offer the most suitable financing options. Only aggregated data reaches us through these integrations. For example, when you integrate with Google and Meta, we won’t see specific campaign data—only aggregated periodic data that helps us model potential future revenue and formulate the best financing offer.
How is revenue-based financing better than other business loans?
Transparent cost and no interest: The recipient of revenue-based financing knows the exact cost of the money before receiving the loan—it doesn’t change and is paid as a one-time loan fee.
No collateral required: Business activity data is sufficient proof, and the revenue-based financing model provides all necessary guarantees.
No repayment schedule: Loan repayment adapts to business profitability. Repayment happens automatically, with a predetermined percentage of business revenue directed toward loan repayment.
Softloans is a partner of MakeCommerce, developing technical solutions that help small and medium-sized businesses easily and quickly secure the working capital needed for growth. Softloans is a tech company founded in Lithuania, aiming to simplify and modernize the loan process for small and medium-sized businesses. The team consists of experienced banking professionals and successful startup founders.
Is there a “trick”?
There is no trick. The revenue-based financing model is exceptionally transparent—you know the cost of the money before receiving the loan, and loan repayment adapts to your business revenue.
*The financing service is provided by MakeCommerce partner Soft loans UAB.
