Revenue-based financing, grown up.
Same idea you already bought into — capital tied to performance. Our non-recourse structure offers: no blanket lien on your business, no weekly minimum floor, no daily debit, and nothing owed if a cohort underperforms.
You moved to revenue-based financing because capital should be tied to how your customers actually perform. Read the contract, though, and most of it isn't. The difference is structural — and it's the whole reason this page exists.
The structure, point by point
| Revenue-based financing | Cohort Capital | |
|---|---|---|
| What it claims | ✕ UCC-1 blanket lien over all business assets1 | ✓ Claim limited to the financed cohort's gross-profit receivable |
| If a cohort underperforms | ✕ Fee still owed in full; weekly minimum floors apply1 | ✓ You owe nothing more — genuinely non-recourse |
| How it's collected | ✕ Daily / weekly debit off total sales2 | ✓ A share of the cohort's gross profit, only as it arrives |
| What it's priced on | ✕ A blended revenue trajectory — the whole company | ✓ The specific cohort's gross profit — the actual asset |
| Cost ceiling | ✕ Flat fee owed regardless; clawback on refunds1 | ✓ Hard 1.30× cap; 100% above the cap is yours |
| Personal guarantee | Often none, but a secured claim on the business3 | ✓ None — and no blanket lien either |
Sources noted at the foot of the page. Competitor terms vary by provider and offer and change frequently; figures current as of 2026 and provided for comparison, not as a quote.
The parts that don't make the landing page
The blanket lien
A UCC-1 filed against all your business assets. Your next bank or credit line sees it — and can decline you because of it.1,3
"Flexible only upward"
A weekly minimum repayment floor overrides the friendly "percentage of sales" the month your sales dip — exactly when you needed the flexibility.1
The daily debit
A slice of every day's sales leaves your account before you can deploy it into the next cohort or inventory. Collection frequency and terms vary by provider.
The clawback
A customer returns an order you already paid the revenue share on — and you don't get that share back.1
We won't quote you a rate we'd have to defend
A "5–10% fee" on a revenue-based advance is not a 5–10% cost of capital. Because the daily debit pays it down continuously, a 10% fee on a six-month payback works out to roughly a 40% effective annualized cost5 — and the faster you repay, the higher it climbs.
Our cost is in a comparable range, but it behaves differently: it's capped at 1.30×, disclosed before you sign, recovered only as the cohort performs, and owed against nothing but that cohort. We compete on structure and risk — not on a headline number.
Consolidate the advance. Stop the daily debit. Free the lien.
The fastest thing we can do for a brand mid-advance is fold the remaining balance into capped, non-recourse capital — removing the blanket lien and stopping the daily drain in a single step, so the cash is there to fund your next cohort.
Questions operators actually ask
See it on your own numbers.
We underwrite the cohort, fund what works, and tie our return to its performance — capped, non-recourse, and aligned. No daily debit. No lien on your business.
Start a cohort reviewSources: 1 Reported RBF contract terms (UCC-1 blanket liens, weekly minimum floors, refund clawbacks): ask-luca.com (2026). 2 Daily % of sales remittance: finder.com Wayflyer review (2026). 3 UCC filings as secured claim without personal guarantee: ask-luca.com working-capital guide (2026). 4 Texas HB 700 prohibition on automatic debits (eff. Sept 1, 2025): Mayer Brown (2025). 5 Effective-APR range on RBF flat fees (~28–56%+): ask-luca.com (2026); see our full teardown for the worked arithmetic.
Cohort Capital purchases, on a non-recourse basis, future gross-profit receivables generated by specifically underwritten customer cohorts. This is not a loan and not a merchant cash advance. Comparisons describe general, third-party-reported features of revenue-based financing and may not reflect any specific provider's current terms. All figures are illustrative examples, not an offer, quote, or commitment to fund; terms depend on underwriting and vary by brand profile.