Cash flow financing is a form of working capital that allows businesses to secure funding based on expected incoming revenue rather than hard collateral. Lenders evaluate your company’s cash flow statements, profitability, and ability to generate income to determine the loan amount and repayment terms. This type of financing is often short to mid-term and is repaid through your regular revenue streams. It is commonly used by service-based businesses or companies without significant physical assets.

If your business has strong recurring income but lacks traditional collateral, cash flow financing can bridge the gap between opportunity and liquidity. It enables you to act on growth plans, cover high-volume orders, or invest in talent without delay. Rather than being held back by timing mismatches between revenue and expenses, you get the working capital you need when you need it.

At Aranea Capital, we understand the nuances of revenue-based underwriting and connect you with lenders who look beyond balance sheets. We help you present your financials clearly, choose partners who respect your business model, and secure terms that support—not restrict—your growth. You focus on performance; we’ll help open the doors.