Rise Business Funding

Revenue-Based Financing in Indiana

Indiana's economy spans advanced manufacturing, life sciences, agriculture, and logistics. Whether you operate in Indianapolis, Fort Wayne, or South Bend, revenue-based financing in Indiana gives your business flexible capital that scales with your monthly sales, not a fixed payment schedule.

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$5K to $5M

Funding available to qualifying Indiana businesses across all industries

Decisions in 24 Hours

Fast approvals so Indiana business owners spend less time waiting and more time growing

Available Statewide

We connect Indiana businesses in every county, from urban Indianapolis to rural farming communities

About Revenue-Based Financing in Indiana

Most Indiana logistics operators running freight along the I-65/I-70 interchange know the problem well: a major shipper pays net-60, but fuel, driver wages, and maintenance bills arrive every two weeks. Traditional bank loans require collateral and months of underwriting, and a line of credit tied to assets rarely matches the actual rhythm of your revenue. That mismatch hits just as hard for automotive parts suppliers in Kokomo waiting on a Tier 1 purchase order, or for a pharmaceutical contract manufacturer near the Boone County LEAP District scaling up production capacity ahead of a new drug launch. Revenue-based financing from Rise Business Funding addresses that gap directly, advancing capital against your incoming revenue and collecting a fixed percentage of daily or weekly receipts instead of demanding a rigid monthly payment.

Indiana's manufacturing sector carries real weight. The state ranked first nationally in manufacturing employment as a share of total employment at end-2024, nearly double the U.S. average, and led all 50 states in pharmaceutical and medicine manufacturing exports at $22.4 billion in 2024. Businesses tied to that output, including steel fabricators along the Gary and East Chicago corridor and automotive component shops on the I-70 corridor through Columbus and Princeton, routinely carry large receivables while absorbing costs upfront. Manufacturing business loans and trucking business loans structured around revenue rather than collateral let those businesses move faster than traditional credit allows. For suppliers carrying unpaid invoices from longer payment cycles, pairing revenue-based financing with invoice factoring can smooth cash flow even further.

Rise Business Funding works with Indiana businesses across sectors, from biotech startups near Purdue Research Park to automotive business loans for independent shops serving OEM supply chains in Kokomo. Indiana's flat 4.9% corporate income tax and 3% commercial property tax cap keep overhead costs comparatively predictable, which makes accurate revenue forecasting more reliable for underwriting purposes. Use the business funding calculator to estimate a funding range based on your current monthly revenue before you apply.

Financing Options in Indiana

Every product Rise Business Funding offers is available to Indiana businesses. Choose the structure that fits how you want to access and repay capital.

Revenue-Based Financing

Repay capital as a fixed percentage of monthly revenue rather than a fixed dollar amount. Ideal for Indiana businesses with strong but variable cash flow, such as manufacturers and agricultural suppliers.

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Term Loans

Receive a lump sum and repay over a defined period with predictable installments. A reliable choice for Indiana businesses making planned investments in equipment, real estate, or staffing.

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Business Line of Credit

Access a revolving credit facility and draw funds as needed. Perfect for Indiana businesses that need ongoing liquidity to manage inventory cycles, payroll, or seasonal gaps.

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Merchant Cash Advance

Receive an advance against future card or ACH sales, repaid through daily or weekly remittances. A popular option for Indiana retailers and foodservice businesses with consistent transaction volume.

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SBA Loans

Government-backed loans offering competitive rates and longer repayment terms. Suited for established Indiana businesses seeking larger capital amounts for expansion, real estate, or refinancing.

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Equipment Financing

Finance heavy machinery, commercial vehicles, or specialized tools with the equipment itself serving as collateral. Particularly relevant for Indiana's robust manufacturing and transportation sectors.

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Requirements to Qualify

Indiana businesses typically meet the following thresholds. Even if you fall short on one factor, Rise Business Funding evaluates your full financial picture.

Minimum Credit Score

FICO 600+

A personal credit score of 600 or higher is the baseline for most lenders in our network. Indiana business owners with scores above 650 typically access a broader range of products and more favorable terms.

Monthly Revenue

$25,000+

Your business should generate at least $25,000 in gross monthly revenue. For revenue-based financing specifically, consistent monthly deposits are a strong positive signal to lenders in our network.

Time in Business

6+ Months

Most lenders require at least six months of operating history. Indiana businesses that have been open for a year or more often qualify for larger advance amounts and better repayment percentages.

Business Bank Account

Required

An active business checking account is required to verify revenue history and receive funds. Lenders in our network typically review three to six months of bank statements during the application process.

How It Works in Indiana

1

Submit Your Application

Complete our streamlined online application in minutes. Tell us about your Indiana business, your monthly revenue, and how much funding you need. No lengthy paperwork or in-branch visits required.

2

Receive a Funding Decision

Lenders in our network review your application and return a decision, often within 24 hours. You will see your offer details including the advance amount, repayment percentage, and estimated term before committing.

3

Access Your Capital

Once you accept an offer, funds are typically deposited into your business bank account within one to three business days. Repayments begin automatically as a percentage of your monthly revenue.

Why Indiana Business Owners Choose Rise Business Funding

  • Statewide Indiana Coverage

    We work with businesses across every county in Indiana, from the Indianapolis metro to rural communities in the northern and southern parts of the state.

  • Flexible Repayment That Fits Your Business

    Revenue-based repayment means your payment scales with your income. During slower months, you pay less, protecting your cash flow without penalty.

  • A Broad Lender Network

    Rise Business Funding connects you with multiple lenders in our network, increasing your chances of approval and giving you options to compare before committing.

  • Fast Decisions, Simple Process

    Our streamlined process is built for busy business owners. Apply online, receive a decision quickly, and get funded without the delays common to traditional bank financing.

Industries We Serve in Indiana

From the dominant sectors of the Indiana economy to the small operators that keep neighborhoods running, Rise Business Funding works across every legitimate industry.

Indiana-Specific Resources

Indiana small businesses have access to meaningful public and mission-driven financing resources that complement private capital. The Indiana Economic Development Corporation's SSBCI program, including The Legend Fund, deploys $99 million statewide for operating capital loans up to $1 million, with at least 37 percent reserved for underserved businesses. The Community Investment Fund of Indiana, a Treasury-certified CDFI based in Indianapolis, provides loans from $25,000 to $250,000 focused on low-to-moderate income communities, while Flagship Enterprise Capital in Anderson serves rural and urban entrepreneurs statewide with a dedicated program for Black-owned businesses. The Indiana SBDC offers no-cost advising through 10 regional offices and administers the INTAP grant of up to $15,000 in technical services. These programs often require time, specific eligibility criteria, or collateral that not every business can meet quickly. Rise Business Funding's revenue-based financing fills that gap with faster, revenue-driven capital that works alongside, not against, these public resources.

Indiana Economic Development Corporation State Small Business Credit Initiative (SSBCI) / The Legend Fund

Indiana's SSBCI program deploys $99 million statewide, including The Legend Fund, a $29 million loan participation program channeled through mission-driven local lenders to make loans of $5,000 to $1,000,000 for small business operating capital. At least 37 percent of funding is dedicated to traditionally underserved businesses, including minority-owned and women-owned enterprises.

iedc.in.gov

Community Investment Fund of Indiana

CIFI is a Treasury-certified nonprofit CDFI headquartered in Indianapolis that makes small business loans of $25,000 to $250,000 for real estate acquisition, equipment, working capital, and inventory in low-to-moderate income and underserved communities across Indiana. Minority- and women-owned businesses represent the majority of CIFI borrowers, and the organization also offers loan participation products alongside bank partners.

capitalizingindiana.org

Flagship Enterprise Capital

Flagship Enterprise Capital is a Treasury-certified nonprofit CDFI based in Anderson, Indiana that provides small business loans from $500 to $350,000 to underserved Indiana entrepreneurs, including a dedicated Special Purpose Credit Program exclusively for Black-owned businesses offering lower rates, no fees, and additional technical assistance. The organization lends statewide across rural and urban areas, serving women-owned, minority-owned, veteran-owned, and low-income businesses.

flagshipenterprisecapital.org

Indiana Statewide Certified Development Corporation

Indiana Statewide CDC, managed by Cambridge Capital Management Corporation in Indianapolis, is Indiana's top SBA 504 lender and has approved over $798 million in financing for more than 1,650 Indiana companies since 1983. The SBA 504 program provides long-term, fixed-rate financing up to $5.5 million for commercial real estate, buildings, and major equipment purchases, structured with a partner bank funding 50 percent and as little as a 10 percent borrower down payment.

cambridgecapitalmgmt.com

SBA Indiana District Office

The SBA Indiana District Office, located in Indianapolis at 5726 Professional Circle Suite 100, delivers SBA 7(a) and 504 loan guaranty programs, SBA Microloan access, federal contracting certifications, and free resource-partner referrals to Hoosier small businesses. In FY 2019 alone, the office helped Indiana entrepreneurs access 1,163 SBA-guaranteed loans totaling nearly $485 million.

sba.gov

Indiana Small Business Development Center

The Indiana SBDC, housed within the IEDC and co-funded by the SBA, provides no-cost, confidential business advising and training through 10 regional offices statewide, helping entrepreneurs start, grow, finance, and innovate their businesses. The center also administers INTAP, an annual grant program providing up to $15,000 in professional technical services to eligible Indiana small businesses.

isbdc.org

Frequently Asked Questions

About Funding in Indiana

Revenue-based financing in Indiana is a form of business funding where a lender provides upfront capital in exchange for a fixed percentage of your gross monthly revenue until the advance and fees are repaid. Unlike a traditional loan with a fixed monthly payment, your repayment amount moves up and down with your actual sales. This makes it a practical option for Indiana businesses in manufacturing, agriculture, foodservice, and other industries where revenue naturally fluctuates by season or contract cycle.

Revenue-Based Financing in Indiana Cities

We serve businesses in Indianapolis. Pick your city for local programs, qualification specifics, and city-tailored FAQs.

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Apply in under 5 minutes. No credit impact. Funding decisions in 24 hours.

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