Rise Business Funding

Revenue-Based Financing in Memphis, Tennessee

Memphis powers one of the South's most dynamic economies through logistics, distribution, healthcare, and a thriving food and hospitality scene. Revenue-based financing gives Memphis businesses a flexible path to capital that grows with your revenue, whether you operate near the riverfront, in Midtown, or across Shelby County.

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Decision Within 2 Hours

Get a decision within 2 hours of a complete document submission.

Funding $5K to $500K

Amounts range from $5K to $500K, based on your revenue and credit profile.

Tennessee Statewide

We match businesses throughout Memphis, Shelby County, and greater Tennessee with vetted lenders.

About Revenue-Based Financing in Memphis

Memphis sits at the center of one of the most logistics-dense markets in North America, and that density shapes how local businesses manage cash flow. Tourism in the Memphis metro generated a record $4.3 billion in visitor spending in 2024, supporting more than 28,000 jobs, while Memphis International Airport handled 3.8 million metric tons of cargo, ranking third globally behind Hong Kong and Shanghai. Revenue moves fast here, but it rarely moves smoothly. Beale Street Entertainment District venues, South Main Arts District restaurants, and Graceland-corridor hospitality operators all face the same structural tension: seasonal revenue spikes followed by slower periods that strain working capital before the next wave of visitors arrives. Revenue-based financing aligns repayment with that actual revenue rhythm, so a slower January does not carry the same fixed cost as a packed August weekend.

The same cash flow pressure applies outside the tourism economy. West Tennessee soybean and cotton operations, along with Middle Tennessee livestock and nursery producers, face August-to-October harvest cycles that concentrate income into narrow windows while operating costs run year-round. Auto-sector suppliers feeding the Nissan assembly plant in Smyrna and the Volkswagen assembly plant in Chattanooga contend with production schedules and net-30 or net-60 payment terms from Tier 1 customers. For those businesses, a business line of credit or revenue-based advance can bridge the gap between delivery and payment without requiring the collateral a traditional bank demands. Memphis-area manufacturers in the North Memphis logistics corridor and the medical device sector face similar timing mismatches that benefit from flexible repayment structures tied to monthly receipts.

Rise Business Funding works with Memphis businesses across these industries to match funding structure to revenue pattern. If your gross monthly receipts vary widely, a fixed monthly payment can punish you during a slow stretch, while a percentage-based repayment scales down automatically. Owners who want to compare structures before applying can start with the business funding calculator to model repayment scenarios. Businesses in automotive supply chains may also find value in exploring automotive business loans, and those in food service near the Memphis Medical District or Midtown's Overton Square corridor can review restaurant business loans tailored to variable-revenue operators.

Financing Options in Memphis

Revenue-Based Financing

Repay as a percentage of monthly revenue rather than a fixed amount, giving your Memphis business flexibility through busy and slow periods alike. Lenders in our network offer funding from $5,000 to $500,000with no hard collateral requirement.

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Short-Term Business Loans

Access a lump sum with a defined repayment schedule, typically three to eighteen months. Ideal for Memphis businesses with a specific capital need such as a seasonal inventory purchase or facility upgrade.

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Business Line of Credit

Draw funds as needed and pay interest only on what you use, giving your Memphis business a revolving cushion for operating expenses, payroll gaps, or unexpected costs.

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Merchant Cash Advance

Receive an advance against your future credit and debit card sales, with repayment automatically deducted as a percentage of daily receipts. A popular option for Memphis restaurants and retailers with strong card-based revenue.

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SBA Loans

SBA-backed loan programs offer competitive terms and longer repayment windows for Memphis businesses that meet program requirements. Lenders in our network can guide you through the SBA loan process.

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Equipment Financing

Finance trucks, refrigeration units, kitchen equipment, or specialized machinery with the asset itself serving as collateral. Especially relevant for Memphis logistics, food service, and manufacturing operators.

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Requirements to Qualify

Personal FICO Score

550+

RBF is more accessible than traditional loans. Revenue consistency matters more than credit score, though a higher score can improve your terms.

Monthly Revenue

$10,000+

The lender uses your monthly revenue to calculate the advance amount and determine the repayment percentage. Stronger, more consistent revenue qualifies for larger amounts.

Time in Business

6+ months

Lenders need enough operating history to evaluate your revenue patterns. Businesses with at least 6 months of consistent deposits are typically eligible.

Bank Account

Business Account Required

Used to verify revenue patterns and calculate your monthly repayment percentage. Personal accounts are not accepted.

How Rise Works

1

Submit Your Application

Complete our secure online application in minutes and share your recent business bank statements. No hard credit pull is required to apply, and there are no upfront fees.

2

Get Matched and Get a Decision

Rise Business Funding reviews your application and matches you with lenders in our network suited to your business. You get a decision within 2 hours of a complete document submission.

3

Receive Your Funds

Once you accept an offer and finalize documents with the lender, funds go to your business bank account. Typical funding time is within 24 hours of approval.

Why Business Owners Choose Rise Business Funding

  • Decision Within 2 Hours

    Get a decision within 2 hours of a complete document submission.

  • Free to Apply, No Obligation

    Applying costs nothing, and you're never obligated to accept an offer.

  • Compare Before You Commit

    See the options you qualify for side by side, then pick the one whose payments fit your cash flow.

Tennessee-Specific Resources

Memphis entrepreneurs pursuing growth capital benefit from a range of public and nonprofit financing resources that complement, rather than replace, private funding. Pathway Lending, a Nashville-based Treasury-certified CDFI endorsed by the Tennessee Bankers Association, offers term loans and lines of credit starting at $5,000 across all regions of the state, with an average small business loan size of $202,000 in 2024. Hope Credit Union extends small business loans up to $250,000, with a strong track record serving Black-owned businesses in economically distressed areas including much of the Memphis metro. Fund Tennessee's LendTN component distributes $47 million in SSBCI 2.0 debt capital through certified CDFIs statewide, with at least 58% directed toward socially and economically disadvantaged entrepreneurs. These programs can fill credit gaps or provide complementary layers alongside a Rise Business Funding revenue-based advance or short-term business loan, helping Memphis owners build a complete capital stack.

SBA Tennessee District Office

The SBA Tennessee District Office serves the entire state of Tennessee. It connects local small businesses to SBA 7(a) loans, 504 loans and microloans through participating lenders, and to free counseling through Small Business Development Centers, SCORE chapters and Women's Business Centers.

sba.gov

Hope Credit Union

Treasury-certified CDFI credit union serving the Deep South including Tennessee, providing small business loans up to $250,000 and commercial loans above that threshold, with 64% of small business loans historically going to Black-owned businesses and 74% made in economically distressed regions. HOPE also administers the Spectrum Community Investment Loan Fund, which explicitly covers Tennessee, and offers start-up loans, business real estate lending, and SBA-sponsored financing for businesses in underserved areas.

hopecu.org

SCORE Memphis Chapter

SCORE Memphis Chapter offers business advising to small businesses in Memphis.

score.org
Statewide programs for Tennessee businesses

Frequently Asked Questions

About Funding in Memphis

How does revenue-based financing work for Memphis businesses?

Revenue-based financing in Memphis, Tennessee provides a lump sum of capital that is repaid as a fixed percentage of your monthly business revenue. There is no set monthly payment amount. When sales are strong, you repay more. During slower periods, your payment naturally decreases. This makes it a practical option for Memphis businesses with fluctuating revenue, including those in logistics, food service, and retail. Lenders in our network offer terms and advance amounts calibrated to your business's actual revenue history.

What credit score do I need to qualify for revenue-based financing in Memphis?

Most lenders in our network require a personal FICO score of at least 550 to qualify for revenue-based financing. However, credit score is just one factor. Lenders also evaluate monthly revenue, time in business, and overall cash flow health. Memphis business owners with solid revenue history but imperfect credit may still qualify. Submitting your application allows lenders to review your full profile and present the best available offers.

How quickly can a Memphis business receive funds?

The process is designed for speed. After submitting your application, most Memphis businesses receive a decision within 2 hours of a complete document submission. Once you accept a funding offer, funds are typically deposited into your business bank account within 24 hours. This fast turnaround makes revenue-based financing well-suited for Memphis operators who need capital quickly to handle inventory, payroll, or an unexpected expense.

What documents do I need to apply?

Typical documentation includes recent business bank statements covering at least three to six months, basic business formation documents, and government-issued identification. Some lenders may request tax returns or profit and loss statements for larger funding amounts. Because revenue-based financing is largely evaluated on revenue performance, the documentation requirements are generally lighter than those for traditional bank loans, which can be an advantage for busy Memphis business owners.

Can my Memphis LLC or sole proprietorship qualify?

Yes. Both LLCs and sole proprietorships can qualify for revenue-based financing through lenders in our network, provided they meet the standard thresholds for credit score, monthly revenue, and time in business. Many Memphis small business owners operate as sole proprietors or single-member LLCs, and these structures are regularly approved. What matters most is consistent monthly revenue and an active business bank account in the entity's name.

Is revenue-based financing a good fit for Memphis restaurants and retailers?

Yes. Restaurants and retailers in Memphis often see significant seasonal variation in sales, which makes fixed monthly loan payments challenging. Revenue-based financing adjusts repayment to match actual monthly performance, easing the burden during slow months and allowing faster repayment when business peaks. This product is particularly popular among Beale Street entertainment operators, Cooper-Young dining establishments, and retail shops managing seasonal inventory cycles.

How much can a Memphis business borrow through revenue-based financing?

Lenders in our network offer revenue-based financing from $5,000 to $500,000. The specific amount you qualify for depends on your average monthly revenue, how long you have been in business, and the overall health of your cash flow. Larger monthly revenue typically unlocks larger funding amounts, and lenders evaluate each application individually. Use our business funding calculator to explore how different funding levels might work for your Memphis business.

Are there Memphis-specific rules or restrictions on revenue-based financing?

Revenue-based financing is a private lending product, so there are no Memphis- or Tennessee-specific licensing restrictions that affect borrower eligibility. However, some industries in Tennessee may face lender-specific underwriting guidelines. Most lenders in our network operate in all 50 states including Tennessee, and they evaluate Memphis businesses using the same criteria applied nationally: credit score, monthly revenue, and time in business. Local business licensing and tax compliance with the City of Memphis and Shelby County are always advisable to maintain good standing as a borrower.

Get Revenue-Based Financing Today

Apply in under 5 minutes. No credit impact. Get a decision within 2 hours of a complete document submission.

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