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For American small businesses, finding the right kind of funding is often a challenging task. Banks, venture capital and private equity options frequently come with high-interest rates, rigid repayment terms or the requirement to give up precious ownership. However, Blackbridge Investment Group (BIG) offers a different path: flexible capital that lets small businesses expand while keeping full control. BIG’s revenue-based financing (RBF) model is designed specifically to meet the unique needs of small businesses, making it an invaluable resource for owners who want to grow sustainably.
BIG’s origin: From venture capital expertise to small business support
BIG’s story began at GenCap Management, where Cosmin Panait and his team worked with growth-oriented startups and saw the difficulties they faced securing capital without compromising ownership. GenCap’s experience with companies in various industries revealed a need for financing solutions that prioritized flexibility and founder control.
“GenCap has always been about empowering companies to reach their potential without the burden of losing control,” Panait explains. “With BIG, I wanted to bring that same philosophy to small businesses that deserve a funding solution designed for their needs.”
BIG’s RBF model offers the best of both worlds: it provides flexible, growth-friendly capital without requiring business owners to sacrifice their hard-won ownership or take on restrictive debt.
BIG’s revenue-based financing: A model built for small businesses
Traditional funding can be limiting for small businesses, where cash flow may fluctuate seasonally or vary by month. BIG’s revenue-based financing model was created with this variability in mind, allowing small businesses to repay a percentage of monthly revenue instead of a fixed amount. This means that if a business has a slow month, its repayment decreases, keeping cash flow healthy. When revenue picks up, the business can pay back more, accelerating growth without financial strain.
“Our financing model is about meeting businesses where they are,” Panait says. “For small businesses, cash flow isn’t always steady, and traditional loans don’t adapt to that reality. BIG’s model is structured to grow with the business.”
Here’s how BIG’s approach can serve small businesses:
1. Flexible payments based on revenue: BIG’s RBF model adjusts to revenue, providing much-needed breathing room during low-revenue months and allowing higher repayments during peak seasons.
2. No ownership dilution: For small business owners who have built their business from the ground up, keeping full ownership is invaluable. BIG’s financing lets owners retain 100% control.
3. Fast, transparent process: BIG offers quick funding decisions and no hidden fees. This transparency allows owners to focus on growing their business rather than worrying about financial surprises.
“Small business owners work incredibly hard to build something meaningful,” Panait adds. “Our goal with BIG is to help them grow without sacrificing the independence and vision that made them successful.”
How American small businesses are benefiting from BIG’s RBF model
BIG’s financing model has already helped numerous small businesses across the U.S. overcome funding hurdles and grow in a way that aligns with their values and goals. One small recycling company, for example, needed additional capital to increase production to keep up with a major client. Traditional loans weren’t a viable option because the fixed repayment schedules would have placed a heavy strain on cash flow during slower months.
With BIG’s revenue-based financing, the brand was able to secure the necessary funding while keeping repayment manageable during off-peak times. The business grew its revenue significantly without sacrificing control, thanks to the flexibility BIG’s model provided.
“Helping small businesses grow sustainably without giving up what they’ve built is what drives us,” Panait says. “We’re here to support them, not just with capital, but with a model that respects the work they’ve put in.”
Why more small businesses are turning to BIG
In today’s competitive business environment, small business owners often need to act quickly to seize growth opportunities. Traditional loans can come with lengthy approval processes and restrictive repayment terms that don’t work for businesses with varying revenue streams. BIG’s RBF model can be not only faster but is also designed to keep businesses flexible. Here’s why more small businesses could choose BIG for funding:
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Seasonal and variable income support: For small businesses whose revenue fluctuates, BIG’s repayment model based on monthly revenue provides the flexibility they need to maintain cash flow.
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Debt-free, growth-friendly capital: BIG’s RBF does not add debt to the balance sheet, which helps small businesses stay financially agile and open to future growth.
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Transparent, easy-to-understand terms: Business owners can rest assured knowing that there are no hidden fees or sudden costs with BIG. This transparency provides peace of mind and allows owners to focus on their core business.
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Industry versatility: From retail and e-commerce to service-based businesses, BIG’s revenue-based financing adapts across different industries, making it an ideal fit for a wide range of small businesses.
“Our financing isn’t just about capital,” says Panait. “It’s about providing small businesses with a resource that fits their way of operating. For many owners, the ability to keep control of their company while accessing flexible funding can be transformative.”
BIG solutions for small businesses
For small businesses, finding growth capital that respects their independence and adapts to their revenue cycles has been a longstanding challenge. Blackbridge Investment Group, backed by GenCap Management’s industry expertise, offers a solution that could give owners growth capital that’s flexible, transparent and non-dilutive.
Panait’s vision for BIG is to empower small businesses to achieve their goals without sacrificing control. “We want small business owners to know they can access the funding they need to grow and still retain ownership,” Panait emphasizes. “At BIG, we believe that financing should support business owners’ goals, not compromise them.”
With BIG’s revenue-based financing, American small businesses have access to a funding option that may align with their needs. For business owners ready to grow, BIG is here to help unlock that potential — on your terms.
As with any investment, there are risks. That’s why it’s best to educate yourself and consult with a professional financial advisor about what investments are right for you.
The news and editorial staffs of the New York Daily News had no role in this post’s preparation.
