Vestral logo

Vestral — the underwriting and monitoring layer for revenue-based lending.

Vestral is verification, underwriting, and monitoring infrastructure for revenue-based lenders. It connects to a borrower’s accounts, verifies revenue at the source by reconciling processor settlements against bank deposits against recognized revenue, turns that into evidence a credit team can act on, and monitors every funded deal for trouble. The accept, decline, or price decision is made by a deliberately simple, fully explainable model plus a human approver, so every outcome carries a reason a lender can defend to a regulator or a declined borrower. The same layer underwrites the Vestral marketplace, where retail investors fund revenue-based deals and earn monthly income from real revenue.

How it works

Vestral verifies a company’s revenue in real time through API integrations with Stripe, Plaid, Shopify, and accounting systems. Each listed company commits to share a fixed percentage of monthly revenue — typically 8% to 12% of gross revenue — until a fixed return multiple of 1.5× to 2× principal is paid back. Only established companies with real, verifiable revenue are listed, and committed capital may only be deployed to customer-acquisition costs (marketing, paid channels, creator partnerships, sales pipeline). Capital may not be used to fund speculative product builds. This restriction is part of why the asset class has historically posted such strong risk-adjusted returns.

Between debt and equity

A Revenue Participation Agreement is a direct claim on a company’s future cash flow. Unlike equity, you do not depend on a subjective exit for your return — you are paid every month from real revenue. Unlike debt, you are not locked into a fixed coupon that ignores company performance: as the company grows, the fixed dollar cap is reached sooner, compressing the same total payout into a shorter window and re-rating your annualized IRR upward. Target IRRs for Vestral positions are 15% to 25%, well above investment-grade debt and historical S&P 500 averages. Because the return cap is fixed in dollars, every RPA has an objective pricing anchor — making positions tradeable in a way equity in private companies has never been at scale.

Frequently asked questions

What is a Revenue Participation Agreement?

An RPA is a contractual claim on a percentage of a company’s future revenue until a fixed return multiple (e.g. 1.5× to 2×) is paid back. It sits between debt and equity: monthly cash flow like a bond, performance upside like equity, with a senior lien on accounts receivable for downside protection.

How do I earn monthly income with Vestral?

Once a deal is funded, the company remits its revenue share each month, pulled from verified API data such as Stripe, Shopify, and QuickBooks. You see exact figures with no estimates or auditor delays. Income starts the month after your investment clears.

Can I trade my Vestral position?

Not on day one. Vestral launches under Regulation Crowdfunding, which carries a 12-month statutory holding period. We expect to migrate offerings to Regulation A roughly one year after first transactions, at which point RPA units would trade on a registered Alternative Trading System.

What is the minimum investment?

$100 per position. There is no accreditation requirement, no minimum portfolio size, and no commitment beyond the specific deal you choose to fund. Each deal is ring-fenced in its own SPV so a single company’s performance does not spread across the platform.

Learn more

Important. This site is a pre-launch product preview. Nothing here is an offer to sell, or a solicitation of an offer to buy, any security. Any future offering will be made only through qualified Reg CF or Reg A offering materials. Investing in private companies and revenue-linked securities involves substantial risk including total loss of principal. Past performance is not indicative of future results.