Blackbridge Investment Group (BIG) offers U.S. small businesses revenue-based financing: an upfront advance repaid through an agreed share of future revenue until a contracted total has been remitted. That structure does not issue equity, but it is not cost-free. Before accepting an offer, compare the cash you receive with the total repayment, revenue share, collection schedule, and what the contract allows if sales fall. BIG’s published criteria are aimed at small businesses, and approval is subject to individual underwriting.
How does BIG’s revenue-based financing work?
BIG describes its product as working capital advanced in exchange for a set amount of future business revenue. Payments are an agreed percentage of revenue, collected daily or weekly, until the contracted total is paid. The total remittance is fixed, while the time needed to reach it can vary with payment amounts. These are BIG’s descriptions of its own offer, not independent assessments of performance. BIG’s official site has the current company-published terms.
Because repayment is linked to revenue rather than a fixed monthly installment, the cash-flow pattern may differ from conventional term debt. But the contract still determines the amount owed and the consequences of missed or reduced payments. “No equity dilution” means the business is not issuing ownership in exchange for this financing; it does not mean the financing has no economic cost or contractual risk.
How much funding can I access from BIG?
BIG publishes a funding range of $5,000 to $250,000. It also says businesses may generally qualify for an amount equal to 75% to 125% of monthly gross sales, subject to cash flow, time in business, and business and personal credit history. That percentage is a company-stated generalization, not a promised advance amount or an individual quote. The actual offer requires underwriting. BIG’s FAQ is the source for these published figures.
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What are the minimum eligibility requirements to qualify for funding?
BIG lists these typical criteria:
- The business is based in the United States.
- It has operated for at least one year.
- It generates at least $10,000 in monthly revenue.
- The owner has a credit score of at least 500.
BIG says underwriting may occasionally consider businesses outside those thresholds, so they should be read as typical criteria rather than automatic approval rules. The company says it evaluates real-time business cash flow along with business and personal credit history. It also says its application uses a soft credit inquiry that does not affect the owner’s personal credit score; confirm the inquiry type and any other credit checks in the application documents.
What the application involves
BIG says applicants typically provide the owner’s name and Social Security number, the business name and tax ID or EIN, and a few recent bank statements. It reports that most applicants complete the application in under 10 minutes and that decisions typically arrive within hours. Those are company-reported expectations, not guaranteed turnaround times. BIG says an accepted applicant then has a funding call.
Permitted uses
BIG says funds may be used for legal business purposes, including inventory, equipment repair, renovations, expansion, debt reduction, or emergency expenses. It says the money cannot be used for personal, family, or household expenses. Read the agreement for any additional restrictions.
What is the APR for your product?
BIG says its product has no interest and no set term, and argues that there is therefore no “true APR.” The company also says the total repayment amount is fixed regardless of how long repayment takes. However, BIG’s public page does not provide a representative contract, typical revenue-share percentage, example of total repayment, or an APR-equivalent calculation. “No APR” should not be taken to mean “no cost.”
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What happens if revenue falls?
BIG says a business may request payment reductions or refunds when revenue falls. It says such relief can extend the time to repay. The public description does not establish when a request will qualify, how a reduction or refund is calculated, or whether relief is automatic. Ask for those rules in writing and check how the contract treats low-revenue periods, missed collections, and defaults.
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How should you compare BIG with other financing?
Compare the terms that determine both cost and cash-flow pressure—not just the absence of equity dilution or the label attached to the product.
- Net cash received: Identify any fees or deductions between the stated advance and the amount deposited.
- Total contracted remittance: Compare the total dollars due with the cash received.
- Revenue share: Confirm the percentage and whether it applies to gross sales or another revenue measure.
- Collection frequency: Check whether payments are daily or weekly and how they are calculated and collected.
- Reduced-revenue treatment: Confirm eligibility for relief, how to request it, and whether it changes the total or only the schedule.
- Likely duration: Estimate repayment time under realistic strong-, typical-, and weak-sales scenarios.
- Contract obligations: Review fees, default remedies, collection authority, and any other obligations before signing.
Equity financing exchanges ownership for capital; term debt commonly uses scheduled repayments; revenue-based financing ties remittances to revenue under the provider’s contract. None is universally cheaper or better. The right comparison depends on the company’s cash flow, growth outlook, tolerance for ownership dilution, and the actual contract terms.
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Novel Capital is a separate provider whose published offer focuses on software companies and includes criteria around minimum revenue, growth, and predictable revenue. Its model and amounts differ from BIG’s, so it is a category comparison for some software businesses, not a like-for-like alternative for every BIG applicant. See Novel Capital’s official page for its own current terms.
What does the broader fintech funding context tell you?
The Bank for International Settlements reported in 2021 that capital raised by fintechs had reached 5% of the value of global equity deals by 2020, compared with less than 1% in 2010. This is historical context about fintech equity deal value; it is not a current market share for revenue-based financing and says nothing directly about BIG’s results. The BIS analysis explains the statistic.
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