How a Bakery Used Revenue Sharing to Fix Cash Flow

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 1, 2026 · 8m · transcript

In this episode of Cash Flow Conversations, Lucas and Luna explore how a small bakery in Portland replaced traditional debt with a revenue-sharing agreement to smooth its seasonal cash flow. Instead of taking on a fixed loan or selling equity, the bakery partnered with a local investor who receives a percentage of monthly revenue until a cap is reached. Lucas walks through the specific terms — 5 percent of monthly revenue, capped at 1.5 times the initial investment — and explains why this model worked for a business with high gross margins but lumpy revenue. Luna contrasts it with traditional…