Revenue-Based Financing: A Simple Guide for Gulf Founders

Definition: Capital today, repay a pre-set % of revenue until a capped amount is reached.
Example: Advance AED 100 K → repay 10 % of monthly sales until AED 130 K returned.

	Term Loan	RBF
EMI	Fixed	Variable
Interest	Compound	Flat fee
Collateral	Often	None
Approval	Weeks	Days

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Debt vs. Equity: Which Suits Your Stage?

Equity = shares sold, no repayments, cede some control.
Debt/RBF = keep shares, repay over time, maintain autonomy.

Decision tree:

1. Revenue consistent? If no, equity/grants. If yes, step 2.
2. Goal short-horizon ROI? If yes, debt/RBF; else blend.

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10 Financial Terms Every MENA Entrepreneur Should Know

1. RBF – repay % of revenue
2. MRR – monthly recurring revenue
3. Gross Margin – revenue minus direct costs
4. Churn – % customers lost
5. Tenure – repayment length
6. AOV – average order value
7. CAC – customer acquisition cost
8. Runway – months until cash zero
9. EBITDA – pre-tax/interest earnings
10. Capital Stack – mix of funding types

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Digital Finance: Why Gulf Businesses Grow Faster with Fintech

Paper forms are out; e-KYC and 24-hr disbursals are in.
Smartphone penetration > 95 % across GCC; cloud POS adoption soars; fintech turns data trails into eligibility.

CTA: Plug in your sales data—see an offer today.