为什么谷歌推广这么难？银行贷款替代方案：营收共享型融资全面解析
为什么谷歌推广这么难？银行贷款替代方案：营收共享型融资全面解析
Why Is Google Promotion So Difficult? The Complete Guide to Revenue-Based Financing as Bank Loan Alternative
（图片来源：图虫创意）
(Image source: Tuchong Creative)
在上一篇文章中我们讨论了银行贷款及其优缺点后，许多企业主发现传统银行贷款并不适合自己的业务模式。那么是否存在一种融资方式能够规避银行贷款的缺陷呢？今天，我们将为您详细介绍一种创新融资方案——营收共享型融资(RBF)。
After discussing bank loans and their pros/cons in our previous article, many business owners found traditional bank loans unsuitable for their business models. Is there a financing method that can avoid the drawbacks of bank loans? Today, we'll introduce an innovative financing solution — Revenue-Based Financing (RBF).
一、什么是营收共享型融资？
1. What Is Revenue-Based Financing?
近年来，营收共享型融资在中小企业、初创公司和电子商务企业中越来越受欢迎。本质上，这是一种基于未来收益预测的替代性融资方案。
In recent years, Revenue-Based Financing has gained popularity among SMEs, startups and e-commerce businesses. Essentially, it's an alternative financing solution based on future revenue projections.
申请RBF后，融资方会对您的企业进行风险评估。通过审核后，资金最快可在48小时内到账。与传统银行贷款需要定期偿还固定金额不同，RBF提供了极大的还款灵活性。
After applying for RBF, the financier will conduct risk assessment for your business. Upon approval, funds can be transferred within 48 hours. Unlike traditional bank loans that require fixed periodic payments, RBF offers great repayment flexibility.
在RBF模式下，融资平台会从您的月收入中收取一定比例作为还款。收入少时少还，生意好时多还，最终还款总额通常为资本金加上小额统一费用。
Under RBF model, the financing platform collects a percentage of your monthly revenue as repayment. Pay less when income is low, pay more when business is good, with the total repayment typically being the principal plus a small flat fee.
二、营收共享型融资的优缺点
2. Pros and Cons of Revenue-Based Financing
三、银行贷款vs营收共享型融资：如何选择？
3. Bank Loan vs RBF: How to Choose?
正如每个人都是独特的，每家企业也各不相同。对企业而言，没有最好的融资方案，只有最适合的。为了帮助您做出明智选择，Choco Up特别制作了银行贷款与RBF的对比分析表。
Just as every individual is unique, so is every business. There's no "best" financing solution — only the most suitable one. To help you make informed decisions, Choco Up has prepared a detailed comparison table between bank loans and RBF.
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，为高增长企业提供非股权稀释的增长资金。目前业务覆盖10+个市场和10+个行业，已帮助数百家企业把握增长机遇，同时保护股权价值。
Founded in 2018, Choco Up is a leading Revenue-Based Financing platform in Asia-Pacific, providing non-dilutive growth capital for fast-growing companies. Currently operating in 10+ markets and 10+ industries, we've helped hundreds of businesses seize growth opportunities while protecting equity value.
