RV Commercial Partnership

One of the most exciting project streams at RV is our newly formed partnership programs with small businesses. We offer truly one of a kind approaches to small businesses who are at early stages of their commercial journeys.

Our partnership for commercial early stage companies includes:

• Commercial construction contract that is:
  1. Revenue-based via installment plans
  2. Truly based on partnership: Our success will depend on your subsequent success when your business is operational

• Access to commercial professional experts in marketing, and raising capital to ensure you have the right support for developing a data-driven investment approach that differs from traditional funding available to Ontarians.

Current State:

You own Business A with existing revenue.

You are about to start Business B and facing a total reno/resto cost of $80,000.

Future State:

Business B and RV formed partnership will take the following steps:

1. RV and Business B decide to start the construction project with only 30000 upfront cost to business

2. Business B to pay $30,000 + 5% fee = $30,000 + $4,000 = $34,000 before commercial work begins

3. Business B to pay monthly 10% of the it’s monthly revenue until to total Total Repayment Target: $50,000 is paid to RV - this could for example look similar to:

Month 1 Revenue = $32,000. 10% paid to RV = $3,200

Month 2 Revenue = $35,000. 10% paid to RV = $3,500

Month 3 Revenue = $45,000. 10% paid to RV = $4,500

Month 4 Revenue = $60,000. 10% paid to RV = $6,000

Month 5 Revenue = $75,000 .10% paid to RV = $7,500

Month 6 Revenue = $70,000 .10% paid to RV = $7,000

Month 7 Revenue = $80,000 .10% paid to RV = $8,000

Month 8 Revenue = $75,000 .10% paid to RV = $7,500

Month 9 Revenue = $90,000 . Last payment paid to RV = $2,800

This means our partner in this example will repay the full amount in approximately 9 months.

The determination for the percentage fee and the fixed collection percentage will be determined by our business partners (affiliated banks and or investors) and will be based on multiple factors including:

• Revenue trends
• Marketing spend efficiency
• Customer acquisition costs
• Growth trajectories

• Flexible repayment tied to actual business performance
• No equity given up
• Alignment of investor and founder interests
• If revenues fluctuate, the collection adjusts proportionally
• No fixed monthly payments
• No penalties for faster repayment
• No personal guarantees required
• Flexible repayment terms that aligned with business performance