What is revenue-based financing and how does it work for D2C brands in India?
The short answer
RBF platforms like Klub, GetVantage and Velocity give you upfront capital against future revenue, and you repay a fixed percentage of monthly sales until you hit a pre-agreed cap (typically ~1.05x-1.2x the amount) - no equity, no board seat, no personal guarantee. It's built for brands with steady, provable online revenue who need working capital for inventory or ad spend, not for pre-revenue idea-stage founders. Read the fine print on the flat fee versus effective annualised rate before you sign - it's often steeper than it first looks.
A quick summary to orient you. The real value is below: the resources worth your time, from people who've actually done it, not us.
Here are the resources
Hand-picked from around the web, each with a note on why it earns your time. India-specific ones carry a badge.
Why we picked it
A founder-facing explainer of how RBF actually works in India - capital against future revenue, repaid as a percentage of sales, no dilution - written for someone evaluating it for the first time rather than an investor audience.
Why we picked it
An independent-feeling review of GetVantage's eligibility bar (12 months revenue, $6,000+ MRR, 40% online payments) and how it stacks against alternatives, rather than GetVantage's own marketing copy.
Why we picked it
Puts GetVantage, Klub, Velocity and other Indian RBF players side by side, which is exactly the comparison a founder needs before picking a lender rather than defaulting to whichever one ran a LinkedIn ad at them.
Why we picked it
The product page for the RBF platform Indian D2C and ecommerce brands actually use, funding up to ₹4 crore with a 5-10% revenue share over 6-24 months. Go here once you're ready to compare a live term sheet, not just read theory.
