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15. P2P & Alternative Lending

Revenue-Based Financing

Revenue-Based Financing

Providing capital to businesses in exchange for a share of future revenue.

Risk Level
High ★★★★☆
Liquidity
🔴 Low
Min Investment
₹50,000
Ticket Size
₹50,000 minimum
Ideal Horizon
1–3 years
Region
Global

📈 Historical Returns (Indicative)

1 Year
10–18%
3 Years
10–15%
5 Years
10–14%
10 Years
N/A
20 Years
N/A

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Revenue-Based Financing

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ High return potential over long term

Disadvantages

  • ❌ High volatility — value can fall significantly in short term
  • ❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Revenue-Based Financing

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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