银行贷款的替代方案：营收共享型融资全面解析
外贸必备能力与谷歌竞价排名规则 | Essential Skills for Foreign Trade & Google Ads Ranking Rules
在上篇文章介绍银行贷款及其优缺点后，许多企业发现传统贷款并不适合自身需求。那么是否存在能够规避银行贷款缺点的融资方案呢？本文将为您详细介绍创新型融资模式——营收共享型融资（RBF）。
After discussing bank loans and their pros/cons in our previous article, many businesses realized traditional loans don't fit their needs. Is there a financing solution that avoids bank loan drawbacks? This article details an innovative model—Revenue-Based Financing (RBF).
一、什么是营收共享型融资？ | What is Revenue-Based Financing?
近年来，营收共享型融资在中小企业、初创公司和电商企业中快速普及。本质上，这是一种基于未来收益计算的替代性融资方案。
In recent years, RBF has gained rapid popularity among SMEs, startups and e-commerce businesses. Essentially, it's an alternative financing model calculated based on future revenue.
申请RBF后，融资方将进行风险评估。通过审核后，资金最快48小时内即可到账。与传统银行贷款的固定还款不同，RBF提供更灵活的还款方式。
After application, funders conduct risk assessment. Upon approval, funds can be transferred within 48 hours. Unlike traditional bank loans with fixed repayments, RBF offers more flexible payment terms.
二、RBF的核心优势 | Key Advantages of RBF
• 还款与业绩挂钩：按每月收入比例还款，业绩好时多还，业绩差时少还
• Performance-based repayment: Pay percentage of monthly revenue - more during good months, less during slow periods
• 无股权稀释：不同于风险投资，企业主保持完全控制权
• No equity dilution: Unlike VC funding, business owners retain full control
三、如何选择融资方案？ | How to Choose Financing Options?
每家企业都是独特的，不存在"最佳"融资方案，只有最适合企业当前需求的方案。以下是关键选择标准：
Every business is unique. There's no "best" financing solution, only the option that best fits current needs. Key selection criteria include:
适合RBF的企业：
• 电商/线上业务
• 现金流波动大的企业
• 需要快速资金周转
Businesses suited for RBF:
• E-commerce/online businesses
• Companies with fluctuating cash flow
• Need fast capital turnover
关于Choco Up | About Choco Up
Choco Up成立于2018年，是亚太地区领先的营收共享型融资平台，为高速增长企业提供非稀释性成长资金。目前已覆盖10+市场和10+行业，助力数百家企业把握增长机遇。
Founded in 2018, Choco Up is Asia-Pacific's leading RBF platform, providing non-dilutive growth capital for fast-growing companies. Currently serving 10+ markets and industries, having helped hundreds of businesses seize growth opportunities.
