Bank payments
Card payments
Apple Pay / Google Pay
POS terminals
Buy now pay later
Payments & Shipping
Refunds
Recurring payments
Payment link
Payments for accommodation businesses
Payments for service businesses
Donations
Kniks gift card
Merchant financingMerchant financing
Scale your business with extra capital!
*Financing service is provided by MakeCommerce partner Softloans, UAB
Why choose revenue-based financing?
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Loan offer within 24 hours
Forget about lengthy application forms and paperwork – filling out a loan application takes just a few minutes and is completely stress-free.
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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 financier.
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Without repayment schedule
There are no monthly bills! The loan is repaid at an agreed percentage of your business’s sales revenue. Rapidly growing sales mean quicker loan repayment, while if sales slow down, so does the loan repayment. Everything is flexible and adaptable to your business needs.
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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. Secure integrations with platforms.
Grant access to your business data through secure integrations – this helps assess the funding application accurately and quickly, and create an offer without the need to fill out lengthy forms in advance.
Free data analysis – insights into your business opportunities
To create a loan offer, we analyze your company’s data and prepare a comprehensive business analysis. As a result, you will receive a free overview of your company’s current situation and growth opportunities. You can monitor and analyze your business’s efficiency and trends in real time, helping you make data-driven decisions and grow your business. Submit your funding application now and take advantage of our free data analysis to manage your business even better!
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 12% 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: 12% or €1080
- 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?
Transparency: Unlike traditional loans, there are no fixed monthly payments. Repayments depend on your company’s sales volume – fast sales mean faster repayments, while slower sales result in smaller payments.
No collateral required: There’s no need to put your assets up as collateral. The funding offer is based on your company’s actual performance and revenue.
No interest: Unlike traditional business loans, you only pay a one-time agreement fee, with no interest or hidden costs.
Speed and simplicity: Thanks to the fully digital solution, you can receive a loan offer within 24 hours. No lengthy application forms or complicated paperwork.
Transparency: There are no hidden fees or additional costs. You know exactly how much you will pay right from the start of the funding. Revenue-based funding is designed for your business growth and adapts according to sales volume, providing more freedom and satisfaction than traditional business loans.
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.
Where is the”trick”?
There is no trick! The revenue-based funding model is completely transparent – you know exactly how much it will cost before receiving the funding. Repayments adjust according to your company’s sales volume, with no hidden fees.
*The financing service is provided by MakeCommerce partner Soft loans UAB.
