New York, NY - In an economic environment where small businesses face unpredictable demand, fluctuating revenue, and seasonal volatility, rigid loan payments can put owners under immense financial pressure. FundKite is stepping in with a modern solution: a Business Cashflow Loan Alternative designed to adapt to real-world revenue patterns through its Revenue Based Finance (RBF) product.

Rather than issuing traditional loans with fixed repayment schedules, FundKite structures its funding as a purchase of future receivables, offering merchants immediate working capital with repayment tied entirely to gross sales. This ensures that payments naturally decrease during slow periods and increase during busy times - protecting cash flow and reducing the financial strain that often comes with conventional debt.

"Most business owners don't have predictable revenue every single month," said Alex Shvarts, CEO of FundKite. "Restaurants, retailers, service companies - they all experience ups and downs. Our repayment model flexes with those changes, ensuring owners never face undue financial strain just because sales dipped temporarily."

As a true Business Cashflow Loan Alternative, FundKite's Revenue Based Finance program removes traditional banking constraints such as fixed monthly payments, maturity dates, amortization schedules, and required minimums. Instead, merchants deliver a small, consistent percentage of their gross sales, typically daily or weekly until the purchased receivables are fully delivered. During slower periods, the amount delivered to FundKite automatically decreases, giving businesses essential breathing room.

"Our merchants love this flexibility because it helps them stay prepared - not panicked," Shvarts added. "When sales slow down, payments slow down. When business picks up, they naturally deliver more. It's a balanced, fair approach that puts the business owner first."

FundKite's model is especially valuable for industries with seasonal or unpredictable cashflow, including:

? Restaurants and Hospitality - managing fluctuating foot traffic, staffing needs, and food costs
? Retail - navigating seasonal shopping peaks and low-demand periods
? E-commerce - facing inventory cycles, advertising surges, and fulfillment cost changes
? Service Businesses - operating on project-based or appointment-based revenue

Additional benefits of FundKite's Business Cashflow Loan Alternative include:

? No fixed terms or minimum payments
? Repayment based solely on gross sales performance
? Funding available up to $2,000,000
? A non-loan structure - classified as a purchase of account receivables
? Natural cash flow protection during emergencies, slow seasons, or unexpected disruptions

For businesses seeking stability, flexibility, and control, FundKite provides a lifeline that preserves cashflow without the rigid obligations associated with traditional loans. Its revenue-adjusted repayment model empowers owners to grow confidently, manage uncertainty, and focus on long-term success rather than short-term financial pressure.

For more information about FundKite's Business Cashflow Loan Alternatives, visit FundKite.com.

Media Contact

Name
FundKite
Contact name
Alex Shvarts
Contact phone
(807) 502-5003
Contact address
2 S. Biscayne Blvd #2350
City
Miami
State
FL
Zip
33131
Country
United States
Url
https://fundkite.com/