RBF · El Paso, TX
Revenue-Based Financing in El Paso, TX
Revenue based financing in El Paso works differently for car rental businesses that serve El Paso International Airport, because the city already takes a share of their receipts. The City of El Paso's FY 2027 fee list sets the Off-Airport Rental Car Permit at 10% of gross receipts. For on-airport companies, the list sets a Customer Facility Charge of $3.50 per transaction day, a fee imposed by the City of El Paso and collected by on-airport car rental concessionaires. A provider that takes a fixed percentage of revenue should size that percentage on what is left after the airport's share, and the facility charge collected for the city is not the company's revenue.
Check business eligibilityFunding specialists, not a lender. No approval guarantee.
Updated October 30, 2026
Decision guide
Revenue based financing in El Paso for car rental firms: the airport's 10% permit
A good fit when
- Revenue-based financing sized on receipts net of the 10% permit fee.
- Fleet additions for an off-airport company whose rentals rise and fall with air travel.
- Working capital between the busy and slow months at the airport.
- Comparing a percentage-of-revenue offer with an equipment loan for vehicles.
Look elsewhere when
- Counting Customer Facility Charges collected for the city as revenue.
- A repayment percentage set on gross receipts before the permit fee.
- A business that does not serve the airport; this permit is not its issue.
- Using revenue-based financing for vehicles without comparing its cost with a term or equipment loan.
| Item | Figure |
|---|---|
| Off-Airport Rental Car Permit at 10% of gross receipts | $6,000 |
| Revenue-based financing remittance at 7% of gross receipts | $4,200 |
| Left for fleet, payroll and other costs | $49,800 |
| For comparison: on-airport Customer Facility Charge on 1,000 transaction days at $3.50 | $3,500 collected for the city |
Illustrative only, not an offer. Ask the airport which receipts its permit counts; the remittance rate is hypothetical, and city fees may change.
Other airport charges
The same fee list sets a $2.00 Transportation-for-hire TNC fee per trip originating or ending at the airport, and an annual shuttle service permit of $150.00 per vehicle.
Where the fees are listed
These are Aviation department lines in the City of El Paso's FY 2027 Schedule C departmental fee list, marked as amended on August 18, 2026, for the fiscal year that runs from September 1, 2026 to August 31, 2027. Fees may change, so confirm them with the airport.
Texas rules on advances
HB 700 requires providers of sales-based financing under $1 million to give disclosures and register with the OCCC; banks are exempt.
Official sources (checked October 22, 2026): City of El Paso: FY 2027 Schedule C, Departmental Fee List, City of El Paso Office of Management & Budget: FY 2027 budget documents, El Paso International Airport: Car Rentals, Texas HB 700 (2025), enrolled text.
What a funding specialist adds. Nowbiz sizes revenue-based financing on what a business keeps after fees it owes the city, and compares offers on the Texas disclosure. Nowbiz is a team of funding specialists, not a lender; providers set eligibility and terms.
Prepare
Documents that settle the decision
- Off-Airport Rental Car Permit and records of permit fees paid
- Monthly gross receipts
- Fleet list with loan or lease balances
- Year-to-date profit and loss
- Three to six months of business bank statements
Local funding context
Why El Paso, TX businesses consider revenue-based financing
El Paso sits at the far western tip of Texas across the Rio Grande from Ciudad Juárez, and its small-business economy is built on the border: warehousing, customs brokerage, trucking and industrial supply for the maquiladora plants, Fort Bliss and its contractors and military families, a fast-growing healthcare sector around University Medical Center and the Texas Tech health-sciences campus, the University of Texas at El Paso, and bilingual, multi-generational family businesses in dining, retail and services from downtown to the east side.
El Paso is one of the least expensive large cities in the country for commercial space and housing, and the federal-level state minimum wage applies, which gives labor-heavy businesses more margin than in the big Texas metros. The desert climate is dry with hot summers and cold nights; outdoor trades work most of the year. The operating risks are border-specific: production shifts at the plants in Juárez, bridge wait times and the timing of payments from large manufacturers and the Army.
Revenue-based financing in local practice. In El Paso, cash-pay practices such as medspas and physical therapy use RBF for expansion, repaid as a share of collections; retailers fund holiday inventory in late summer and repay through the fourth quarter when the share draws on peak sales. Contractors rarely fit RBF because revenue is lumpy and invoiced rather than transactional.
What to evaluate
- Underwriting emphasizes trailing revenue and deposit consistency
- Payments are structured around an agreed share of revenue
- Funding timing is set by the provider after approval
- The structure does not require giving up business equity
| Sector | Local driver | Products commonly considered |
|---|---|---|
| Cross-border logistics | Maquiladora supply and bridge timing | Equipment financing and freight factoring |
| Fort Bliss vendors | Federal payment cycles | Lines of credit and factoring |
| Healthcare and dental | Growth around UMC and the health-sciences campus | Equipment financing and term loans |
| East-side retail and dining | Military families and cross-border shoppers | Working capital and inventory lines |
Local numbers
El Paso business and SBA lending figures
The Census Bureau counted 16,280 business locations with paid employees in El Paso County, which includes El Paso, in its 2023 County Business Patterns, and 70% of them had fewer than 10 employees. Average annual payroll was $42,800 per employee across 254,282 jobs.
In the SBA's 2026 fiscal year (October 2025 through September 2026), 31 lenders approved 76 SBA 7(a) loans totaling $36.0 million for businesses in El Paso County, an average of $474,000 per loan. By number of loans, the most active were Northeast Bank (9 loans); Newtek Bank, National Association (7 loans) and LiftFund, Inc. (6 loans). Certified development companies approved 5 SBA 504 loans totaling $3.0 million for real-estate and equipment projects there; the most active was LiftFund, Inc..
How to use these numbers: they describe the local market, not your odds. SBA figures count only loans the SBA guarantees, and a business is approved on its own revenue, credit and cash flow, whichever product it applies for, including revenue-based financing. A lender that is already active in the county is a reasonable place to ask about SBA options before comparing faster, costlier products.
| Measure | El Paso County |
|---|---|
| Employer business locations (2023) | 16,280 |
| Share with fewer than 10 employees | 70% |
| SBA 7(a) loans approved, FY2026 | 76 ($36.0 million) |
| Lenders making SBA 7(a) loans here, FY2026 | 31 |
| SBA 504 loans approved, FY2026 | 5 ($3.0 million) |
Sources: U.S. Census Bureau, County Business Patterns 2023; U.S. Small Business Administration, 7(a) Lender and 504 CDC Activity Reports, FY2026 (data as of September 30, 2026, by project county). County figures include the whole county, not only El Paso.
Local rules and help
What to check in Texas before you apply
| Factor | Detail |
|---|---|
| State cost disclosure rule | HB 700 (since September 2025): standardized disclosures and registration for sales-based financing such as advances under $1 million; other products not covered |
| Where business liens are filed and searched | Texas Secretary of State (SOS UCC Portal) |
Checked October 15, 2026 against official sources: Texas Secretary of State (SOS UCC Portal). Confirm current rules before relying on them.
How it works
How revenue-based financing works
Revenue-based financing (RBF) advances a lump sum in exchange for a fixed percentage of future monthly revenue, remitted until the business has paid a predetermined cap, typically 1.1 to 1.5 times the advance. There is no fixed maturity: a strong sales month accelerates repayment, a weak one slows it. The structure was popularised by software and e-commerce investors and has spread to any El Paso business with predictable, trackable revenue.
The full guide to revenue-based financing in Texas covers the mechanics, the application review checklist, the timeline, best uses and watch-outs in depth.
Cost structure
Revenue-based financing cost: caps, revenue share and a $138,000 example
Check the definition of revenue, remittance percentage, repayment cap and any minimum payments. Ask how refunds, seasonality and reconciliation are handled. A fixed cap can have a very different annualized cost depending on how quickly the business remits it.
Hypothetical example for El Paso, TX: at the stated inputs, $138,000 produces a total remittance between $151,800 and $207,000. An assumed collection period produces average payments between $12,650 and $17,250; actual revenue-linked collections can differ. Use the interactive estimator to test revenue and collection assumptions rather than treating an average as a fixed payment.
Build the same comparison from a dated written offer. Include amounts deducted before funding, payment dates, additional charges and any balance due at the end. Test the cash remaining in a weaker month before choosing an amount. Provider approval and a manageable payment are separate questions.
Payment estimator
Estimate revenue-based financing payments for an El Paso, TX business
Illustrative revenue-based financing figures for $138,000 using hypothetical rate assumptions. Actual offers depend on underwriting and the funding partner.
$14,950 per month (assumed average) and $179,400 in total payback (1.30x; assumed 12 months; actual payments vary with revenue).
Hypothetical figures using the stated term or collection period. Fees are excluded. Revenue-based amounts are averages over an assumed period, not fixed payments.
| Scenario | Estimated payment | Total payback / customer settlement | Basis |
|---|---|---|---|
| Lower scenario input | $12,650 / month (assumed average) | $151,800 | 1.10x; assumed 12 months; actual payments vary with revenue |
| Midpoint | $14,950 / month (assumed average) | $179,400 | 1.30x; assumed 12 months; actual payments vary with revenue |
| Higher scenario input | $17,250 / month (assumed average) | $207,000 | 1.50x; assumed 12 months; actual payments vary with revenue |
Secure eligibility check
Fast Funding Review
Share a few details about your El Paso business and the revenue-based financing amount you have in mind to start a confidential, no-obligation review. This step does not use a hard credit pull.
- No hard credit pull to apply
- Review and funding times vary by provider
- 5+ years in the industry
- Encrypted, private document handling
Documents
Data and documents for a revenue-based financing application
Prepare the records requested by the provider. Complete documents help the review but do not guarantee a decision or funding date.
- 6 to 12 months of business bank statements or a live bank connection
- Read-only access to your payment processor, marketplace or subscription platform
- Government-issued ID for owners
- Formation documents and EIN
- A summary of existing financing and remittance schedules
- Year-to-date profit-and-loss for larger amounts
Alternatives
Alternatives to revenue-based financing in El Paso, TX
Compare the products an El Paso business is most likely to be offered alongside revenue-based financing; each guide below sets out structure, timing, credit guidelines and uses side by side.
Common questions
Revenue-based financing in El Paso, TX: what owners ask
How is revenue-based financing different from an MCA?
The labels can overlap. Compare how payments are calculated, whether they adjust with actual revenue, the total repayment obligation, fees, reconciliation rights and guarantees. Do not assume every revenue-based offer has a particular payment frequency or lower cost than an MCA.
How quickly may revenue-based financing close in El Paso, TX?
There is no single funding deadline for every provider. Ask for the expected review and disbursement dates after the file has been assessed, including any outstanding documents, verification and signing conditions. Do not commit to an expense on the assumption that an advertised fastest time applies to your request.
Is revenue-based financing only for software companies in El Paso, TX?
No single industry defines every revenue-based product. Some providers specialize in software or recurring-revenue businesses; others consider different business models. Confirm the provider's industry, revenue-history and repayment requirements for the actual offer.
Can an El Paso logistics or customs business use maquiladora invoices for revenue-based financing?
Often. Invoices owed by the U.S. affiliates of the manufacturers in Juárez and by large carriers are considered good quality, which suits factoring and receivables-backed lines. Invoices owed directly by Mexican entities are harder to factor, so the structure of the billing relationship matters; bring contracts, an aging report and details of who is actually paying.
How do Fort Bliss deployment cycles affect revenue-based financing for an El Paso business?
A restaurant, barber, gym or auto shop near the post shows deposit swings when large units deploy or return, and underwriters familiar with military towns expect that. Applying during a strong stretch and choosing a product with payments that track revenue both help; a fixed daily debit set during a return-home surge can strain a deployment lull.
What El Paso resources help prepare a revenue-based financing request?
The SBA’s El Paso District Office covers far West Texas, the UTEP Small Business Development Center provides free counseling and loan packaging, SCORE El Paso mentors owners, and the city’s economic development department and the Borderplex Alliance can point manufacturers and logistics firms to incentive programs that pair with private financing.