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Banking, rebuilt for product businesses — not a generic loan

Your lender charges 15%. The real cost is closer to 80%.

Revenue-based financing sounds simple — borrow £100k, pay back £115k. But weekly repayments mean you're paying a fee on money you've already returned. See what your financing actually costs.

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How Treyd helps

~80%

Real APR on a typical RBF deal

On a 15% headline cost.

~24%

Treyd APR on the same deal

What you see is what you pay.

£26,000

Typical saving on a £100k order vs RBF over 16 weeks

RBF charges the full fee on the whole loan from day one — even the half you've already repaid. Treyd charges a flat monthly fee only while your order is live.

Enter your deal. See the real number.

Enter what you've been quoted. The charts show an illustrative view of your cash position week by week — and what it costs you.

INVENTORY COST

Total amount needed

£150,000

RBF QUOTED FEE

Total repayment fee

6.0%

Repaid over

16 weeks

RBF deal: Borrow £150,000 · Repay £159,000 total · = £9,938/week for 16 weeks

Treyd total repayment

£162,000

Fee: £12,000 • APR ~23.3%

You hold your capital the whole term

RBF total repayment

£159,000

Fee: £9,000 • APR ~36.5%

Repayments start day one
Fixed assumptions 4 wks manufacturing 4 wks shipping 8 wks sales 50% gross margin £100k starting cash

Treyd — cash position

Supplier paid by Treyd · your capital untouched · one bullet repayment at term end

Fee: £12,000 · APR ~23.3%
£0.0£125.0k£250.0k£375.0k£500.0kDay 0Wk 4Wk 8Wk 12Wk 16Wk 20Wk 24Wk 28

  1. Order placed

    Treyd pays your supplier directly.

    Your £100,000 stays untouched.

    No cash leaves your account.

  2. Goods shipped

  3. Goods arrive · sales begin

    Revenue: £37,500/week over 8 wks

    Total: £300,000 (2× cost at 50% margin)

  4. Sales end

  5. Treyd repaid

    One payment: £162,000

    (£150,000 + £12,000 fee)

    APR: ~23.3%

    You keep: £238,000

Higher total fee at this rate. The advantage is structural: your £100,000 stays untouched through manufacturing and shipping — RBF drains your account from day one.

RBF — cash position

Weekly repayments from day one — before goods have shipped

Fee: £9,000 · APR ~36.5%
£0.0£125.0k£250.0k£375.0k£500.0kDay 0Wk 4Wk 8Wk 12Wk 16Wk 20Wk 24Wk 28

  1. Lump sum → supplier paid

    Receive £150,000, pay supplier.

    Back to £100,000

    £9,938/week drains from now.

  2. Goods arrive · sales begin

    Revenue: +£37,500/week

    Repayment: −£9,938/week

    Net: +£27,563/week

  3. RBF fully repaid

    Borrow £150,000, repay £9,938/wk ×16wks

    Avg balance ~£75,000 (half gone by wk 8)

    Fee on avg capital: 12.0%

    Annualised: ~36.5% APR

    End cash: £241,000

Lower total fee at this rate, but £9,938/week leaves your account from day one — eroding the capital you just borrowed before a single sale.

50% gross margin = sell price 2× cost. Revenue spread evenly across the sales window. Treyd 2%/month × 4 months; RBF fee is the quoted % of the amount. Starting cash £100,000. For illustration only.

Where Treyd sits in the market

Most product businesses borrow at Tier 1 rates when they could access Tier 2. The gap is often 50+ percentage points of APR.

Revenue-based RBF

Example
Wayflyer, Uncapped, Liberis
True APR
40–80%
Speed
Same day
What's the catch
High APRs, repayments start day one, charged on the full balance.

Treyd

Example
Treyd
True APR
15–25%
Speed
24 hours
What's the catch
Flat monthly fee, charged only while your order is live.

High-street bank

Example
HSBC, Barclays, Lloyds
True APR
7–15%
Speed
30–90 days
What's the catch
Cheaper rates, but requires collateral and a long approval process.

Illustrative figures. RBF example based on a £100k order repaid over 16 weeks.

Cash in your account is worth something.

With RBF, repayments start the moment you sign. That money leaves your account during manufacturing, during shipping — weeks before a sale has been made. With Treyd, that cash stays available. And available cash isn't idle — it's working capital you can put to use.

InventoryFreightMarketingSupplier catch-upFX overheadNew audio kitHire ahead of demand

WITH RBF

Your cash is being repaid before your goods have shipped

On a £100k deal with a 16-week repayment term, you're paying back £6,250 a week from day one. By the time your goods arrive — if at all — you've already handed back £48,000.

8 weeks
of repayments before goods arrive
£0
of that capital still working for you

WITH TREYD

Your cash stays put until you've sold the goods

Treyd pays your supplier directly. Your account doesn't move until the deal is settled at term end — so your working capital stays liquid through the months that matter.

  • £100k stays liquid
  • No weekly drain
  • One settlement at term end

THE OPPORTUNITY

What could you do with £100k that isn't leaking weekly?

  • Place the next order while this one is still in transit
  • Invest in marketing to pull demand forward
  • Stay liquid for the unexpected

Built for inventory, not a generic loan

Treyd pays your supplier directly. You sell your goods. Then you pay Treyd — one flat payment at the end of the term. No weekly drains, no revenue withheld.

1

Upload a supplier invoice

Any inventory-line invoice — freight, manufacturing, marketing spend. Get a term in 24–48 hours. There's no personal-guarantee process to wade through — no surprises.

2

Treyd pays your supplier

Within 24 hours of approval, your supplier is paid in full. Your cash stays in the bank while your goods are manufactured and shipped.

3

You repay at end of term

One bullet payment — principal plus a flat monthly fee. Nothing before then. No weekly deductions. You hold your capital through the entire term.

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