Revenue-based business growth loans
Get $50,000 to $500,000 directly from investors. Flexibly adapt payments to your revenue
Why LendicaX
We offer you unique opportunities
Transparent loan terms
Fixed platform commission. No hidden fees and no collateral
Loans from the local investor community
Raise funds and expand your business connections
Revenue-based financing
No more stress. Your payments are flexibly adapted to your business revenue
Professional Due Diligence and expert evaluation
We will show the weaknesses and strengths of your business
How it works
The dynamics of your business determine payments not vice versa
Fixed loan payments
You pay a fixed amount no matter what your sales volume is that month
Flexible loan payments
You pay a specific percentage from your monthly sales revenue until a fixed limit
is reached
See an example of how flexible payments work
Please note: the terms in this example are intended for illustrative purposes only
You borrow $100,000 for your business growth
1
The terms of the loan set the investment multiplier = 1.5x
Your total repayment amount = $100,000 x 1.5 = $150,000
Your total repayment amount = $100,000 x 1.5 = $150,000
2
The maximum term of your loan is 5 years. You need to pay the total repayment amount in full within that period. No early payment fees
3
You agree to share 3% of your monthly sales until the total repayment amount is paid in full
4
Your monthly payments would be as follows in this example
Revenue share
3%
3%
3%
Monthly sales
$40,000
$25,000
$30,000
Monthly payment
$1,200
$750
$900
Remaining amount to be paid
$148,800
$148,050
$147,150
1 Month
2 month
3 month
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Options to fund business GROwth
A new recipe for growing your business
Bank loan
Cost
Available amount
Repayments
% of the company
Collateral required
Available amount
Repayments
% of the company
Collateral required
Interest
$10k - $1M
Fixed
No
Yes
$10k - $1M
Fixed
No
Yes
LendicaX
Cost
Available amount
Repayments
% of the company
Collateral required
Available amount
Repayments
% of the company
Collateral required
Fixed fee
$50k - $500k
Flexible
No
No
$50k - $500k
Flexible
No
No
Equity financing
Cost
Available amount
Repayments
% of the company
Collateral required
Available amount
Repayments
% of the company
Collateral required
Equity
$100k - $1M+
No
Yes
No
$100k - $1M+
No
Yes
No
Our process
Submit an application
How to borrow directly from Australian investors
Complete a simple 3 minunte application and hear back within 24 hours
1
Verify your revenue
Share your business financial data and complete diligence (7 days)
2
Sign term sheet
From the proposed loan terms, choose the most fair and suitable ones
3
Launch your offering
Show your business and offer to investors on our platform. Raise funds within 14-60 days
4
Money in the bank!
Once the offering minimum is hit, LendicaX can disburse funds for a small fee, giving you access to your capital faster than ever
5
Questions & Answers
The first step is to complete an application, which takes about three minutes. Our team will reach you out within 24 hours.
As a platform, LendicaX checks everything carefully to keep investors safe from fraud and sees if businesses can pay back loans. LendicaX also provides you with the loan terms.
To check your business, LendicaX needs businesses to submit financial documents and business plans. Anyone owning 20% or more of the business must get a background check.
Companies that pass the due diligence get an offer from LendicaX. Some might get several offers and can pick the best one.
Next, LendicaX will help launch your offer to investors and raise funds.
As a platform, LendicaX checks everything carefully to keep investors safe from fraud and sees if businesses can pay back loans. LendicaX also provides you with the loan terms.
To check your business, LendicaX needs businesses to submit financial documents and business plans. Anyone owning 20% or more of the business must get a background check.
Companies that pass the due diligence get an offer from LendicaX. Some might get several offers and can pick the best one.
Next, LendicaX will help launch your offer to investors and raise funds.
On the LendicaX platform, investors can lend you from $50,000 to $500,000.
After getting approved and provided with terms, you can access the capital within 14-60 days.
For revenue-based financing we deduct a specific percentage from your monthly sales until a predetermined amount is reached. Once achieved, there are no more monthly repayments.
No
We work with businesses that need funding to grow their business. For example:
- Open a new location
- Expand premises
- Marketing
- Buy a franchise
- Open a new location
- Expand premises
- Marketing
- Buy a franchise
Once we have completed our due diligence and signed the terms of the loan, we charge a $300 fee to publish your offer to investors.
You also pay a fee as a fixed percentage of funds raised (usually 4-6%).
You also pay a fee as a fixed percentage of funds raised (usually 4-6%).
