Hero FAQ

Get Into the Details

The Basics

Okay, you're probably thinking...

"What or who is this Ned thing?"

The short answer...

Ned helps business owners and funders build simple partnerships around revenue sharing. With Ned:

  • Users strike their own terms, sign a contract, and automate deal terms
  • Business owners get the money they need and share back revenue as they earn.
  • Funders have peace of mind that things are handled.

The longer answer...

Ned is a financial technology platform that helps small business owners manage and stay accountable when they get capital from their friends, family, or personal network.

Ned's end-to-end solution allows businesses to properly document agreements, share business performance information, and stay on top of repayments.

We believe today's traditional lending and credit products aren't a fit for small business owners, and they're increasingly turning to their personal network for small amounts of short-term working capital.

Specifically, Ned facilitates Revenue Share Agreements between business owners and their investors to optimize the partnership. Business owners maintain flexibility, and their investors benefit from set returns.

All are welcome! If you're a business owner - any type of business owner - then Ned's there for you.

Your business might be in its earlier stages, or it could be even decades old. You might be a sole proprietor running a scrappy outfit, or maybe you run a bigger organization with hundreds of people working for you.

All types of business owners want to get financing from friends and family instead of traditional lenders, so we're building a big tent.

All we ask is that you have a business entity and an associated bank account.

Anyone can fund a business so long as they're above the age of 18.

Business owners seek financing from all sorts of individuals in their network. It could be immediate family members, friends, other business owners, or even people that live in their communities that they might not know all that well.

There's no need for a funder to be an accredited investor, either. Why? Ned isn't an investment platform where people can purchase equity from a business owner.

As a rule of thumb, funders should only provide capital to a business if it doesn't stress their personal finances.

You can read about other best practices for funders here.

Ned charges 2.5% on the Funding Amount and then Revenue Transfers associated with the funding amount, back to the funder.

Transfers from a business owner to a funder toward a Bonus to the funder are free of charge.

Fees are netted out of transfers, and they aren't incremental. Each user sees fees clearly labeled on their bank statements.

Every partnership is different and it depends on those involved - the business owner and the funder. At Ned, we're trying to give everyone options that keep things simple, fair, and beneficial for everyone.

When building a partnership there are three main things to consider:

  1. How much money does the business owner need?
    *Ned allows up to 15% of a business' annual revenue.
  2. What percentage of revenue will that business owner share back to the funder?
    *Ned allows a business owner to share between 7% to 15% of their revenue.
  3. Is there a Funding Premium that the funder expects?
    *Ned allows between 0% to 15%. Sometimes a funder wants to be repaid with no premium (0%). Other times they want to earn alongside their partner (anytime above 0%). It's up to those involved.

Here's just one example...

A business owner needs to buy emergency inventory, and their relative provides $10,000 to satisfy a purchase order.

They build a fast and fair partnership on Ned with the following terms:

  • Funding Amount - $10,000
  • Bonus to Funder - 6% (or $600 owed on top of the $10,000 funding amount)
  • Total Revenue Shared to funder - $10,600
  • Revenue Share Frequency - Weekly
  • Completion Date - None. Revenue is shared back to the funder until the terms of the partnership are completed.

**The business owner in this scenario makes $200,000 in annual revenue.


Q - What's the total amount transferred between partners throughout the deal?
A - $20,600. There's...
$10,000 that the funder provides upfront
$10,600 in revenue that the business owner shares back to the funder over time

Q - How much are Ned fees associated with this partnership?
A - $500 in total, remitted to Ned throughout the deal whenever there's a transfer.

How do fees work in this scenario?

  • The funder transfers $10,000 and Ned keeps $250 (2.5% of $10,000). The business owner receives $9,750.
  • Ned automates Revenue Transfers weekly, which may fluctuate depending on how the business performs.
  • Over the course of the partnership, the business owner shares $10,000 in revenues back to their funder. Ned keeps $250 in total fees from each Revenue Transfer that it automates to the funder.
  • Ned does not take a fee on the additional $600 (Bonus to Funder) owed to the funder. The funder will receive a total of $10,350.

Heck no! The business owners and funders that build partnerships with Ned already know one another.

Not at all. Ned is a platform where you can create discrete business partnerships with people you already know.

That means the information you provide is only visible to those you share it with directly.

By contrast, with open market crowdfunding, owners often engage with strangers and may be required to share private business information.

Ned is completely committed to discretion and privacy. There's nothing more important than protecting the information that you provide. Privacy is core to our beliefs, and it's also a central capability we want to provide to our users when they do business with one another.

Learn more about Ned's approach to safety, security, and privacy by visiting our Terms of Service and Privacy Policy.

Feel free to email info@nedhelps.com with any questions or concerns.

Nope. Ned doesn't make loans to businesses.

Ned's an intermediary that helps business owners and their funders when they decide to partner up and do business.

In fact, we're trying to provide the opposite experience to business owners who might have felt discouraged trying to get fair financing.

If a lender gives a business owner take-it-or-leave-it terms that are too rough - heavy interest or collateral - we want to help that owner pursue a different path safely and securely.

If that owner has a local source of financing, then Ned helps them create fair revenue-based terms that drive their business forward instead of slowing it down.

No interest, no end date, no collateral.

Revenue Sharing

We heard business owners and funders loud and clear. No loans.

With Revenue Sharing, a funder isn't lending money. They're actually purchasing an amount of a business' future revenue. A business owner can get the funding they need and then share back a set portion of their revenues with their funder until that amount is reached.

A funder's purchase price - i.e. the amount the business owner receives - is (often) set at a discount to provide an incentive. This discounted price - compared to the total revenue a funder purchased - allows that funder to make some money for providing that business with capital. Sometimes there's no discount at all if a funder doesn't want to make extra.


  • Fixed payments
  • Crazy interest
  • Collateral
  • Financial pressure
  • Red tape

Revenue Sharing

  • Quick access to capital
  • Pegged to business performance
  • No credit checks
  • No collateral or personal guarantee
  • No ownership dilution
  • Easy-to-understand agreement
  • No rigid end date

Ned helps automate these payments every Friday after partners sign their agreement.

Ned makes revenue sharing quick and easy. Partners create a Revenue-Sharing Agreement, and then Ned takes care of the rest.


  • Ned easily integrates and authenticates both users' bank accounts.
  • There are only a few questions each side has to fill out before getting into business.


  • Once onboarded, the funder can safely transfer the agreed-upon amount of money to the business owner.
  • The transfer should be in the business owner's bank account within two days.

Revenue Sharing

  • Once funded, Ned continually scans for income in the owner's bank account.
  • Ned debits the owner's bank account a portion of earnings each Friday, based on their agreed-upon revenue sharing percentage.
  • That amount is remitted back to the funder.
  • The process repeats weekly the funder is fully repaid, based on the partnership terms.
  • The weekly revenue share amount might change depending on how the business performs.

We want to work with as many business owners and funders as possible.

To build a partnership, business owners need a Tax ID (EIN) and earn more than $50,000 annually.

Partnerships on Ned

It's super simple. Go to www.nedhelps.com and click on the "Build a Deal" button. Ned takes you through a few steps so you can be in business with your partner in minutes.

Both a business owners and funders can initiate a partnership. All you have to do is:

  • Set the Funding Amount and the Future Revenue Share over time
  • Include a Bonus to Funder if it's relevant. This way, a funder can make a little extra as the business grows.
  • Send terms to your partner for review. Adjust things if they have changed.
  • Review your Revenue Share Agreement. Ned takes your terms and puts them into a simple contract for everyone to sign.
  • After signing your agreement, Ned connects your partners by integrating bank accounts.
  • The funder can send an ACH transfer within minutes.
  • Revenue sharing begins when funds are transferred!

Yes. The agreement you sign after building a partnership is legally binding.

Fairness is core to our beliefs, and we made sure the legal agreement that's provided is beneficial to both partners.

This keeps everyone on the same page and provides protection through the partnership.

Yes. Partnerships need to be flexible for them to work. Sometimes they need to be amended and other times canceled completely.

If partnership terms aren't yet active and a Revenue Share Agreement has not been signed, you can void it by clicking "Cancel" on your profile page.

If you and your partner want to cancel your active partnership simply email info@nedhelps.com and let us know. Someone from Team Ned will get back to you immediately to walk you through the process.

We ask that both partners:

  • Send an email confirming that they would like to end their partnership. The outbound email addresses need to match those associated with the partnership.
  • Verbally confirm by phone that they would like to end the partnership.

Unfortunately, we don't help business owners build credit or credit scores in the United States. However, we're planning to be able to offer that opportunity very soon!

Absolutely! This is called a Bonus to Funder, and partners can negotiate one that's right for their situation.

This premium is not interest. It's an additional amount of money the business provides back to the funder via revenue sharing, over the course of their partnership.

We allow a Bonus between 0% - 15% for funding provided to the business owner. This allows everyone to grow and earn together as the business grows.

In certain situations, this Bonus can compensate for a funder's risk or serve as an incentive for a mutually-beneficial partnership.

We created simple rules for those using our platform to maintain fairness for everyone.

Why? Business owners shouldn't ask for funding they can't repay, and funders shouldn't strike terms that stress a business out.

To create a level playing field, Ned instills the following parameters, so partners create deals that work for everyone.


  • Need to make at least $50,000 in annual revenue
  • Can't repay a funder with a Future Revenue Share of more than 15%
  • Can't share more than 15% of their revenue to repay
  • Can only have one funding relationship at a time


  • Can't fund more than 15% of a business' annual revenue
  • Can't ask for a Bonusof more than 15%
  • Can't ask for a Future Revenue Share of more than 15%
  • How do I track the partnership?

We tried to make it as easy as possible to build a strong partnership..

In doing so, we provided a few preset options for our users to consider when they strike direct terms with one another. These terms will also help us to create your Revenue Share Agreement, and we've also provided guidance below on how our preset options correspond to the basic legal terminology that defines your partnership.

Section 1 - "Tell Us About Your Partnership" Terms

  • Funding Amount - The amount of money that the business owner needs and is requesting from their funder. This is also how much money the funder will provide to their partner once they complete their agreement.
    • This Funding Amount appears as the "Purchase Price" and "Disbursement Amount" on the Ned Revenue Share agreement.
  • Business Average Monthly Revenue - The amount of revenue the business makes, on average, each month. We use this to help forecast Revenue Transfers between the business owner and funder.
  • Bonus to Funder - The amount a business will owe a funder, in addition to the Funding Amount. In certain situations, this Bonus can compensate for a funder's risk or serve as an incentive for a mutually-beneficial partnership. We allow a premium between 0% - 15% for funding provided to the business owner.
    • Because a funder is purchasing an amount of future revenue at a discounted Purchase Price, this Bonus amount will appear as the "Discount" amount on the Ned Revenue Share agreement.
  • Future Revenue Share - This is the portion of business revenue that will be shared back to the funder weekly until the terms of the partnership are completed. With Ned, users can choose between 7% - 15% of a business' weekly revenue to be shared.
    • This Future Revenue Share appears as the "Weekly Percentage of Future Receipts" on the Ned Revenue Share agreement.
  • Revenue Share Frequency - How often Revenue Transfers are made from the business owner to the funder. For now, these payments are going to be made weekly. Over time, we'll be rolling out other options.
  • Revenue Sharing Begins... - Sometimes, business owners need some time before they start revenue sharing payments. Ned allows up to three months from the contract signing date before a business begins sharing revenue. This would be negotiated between partners. Otherwise, Ned begins revenue sharing immediately.

Section 2 - "Partnership at a Glance" Terms

  • Total Revenue Shared - The total amount of revenue shared back to the funder over time, including the Funding Amount and Bonus to Funder Fee, if there is one.
    • The Total Revenue Shared appears as the "Purchased Amount of Future Receipts" on the Ned Revenue Share agreement.
  • Expected Revenue Transfers - Depending on the business' average monthly revenue, this is the total count of revenue share transfers Ned forecasts will take place over the duration of the partnership.
  • Expected Completion Date - Depending on the business' average monthly revenue, this is the future date that Ned forecasts a funder will receive the total amount of revenue they purchased from the business owners.


Check out the question above - "How does revenue sharing work on Ned?"

Yep! Don't sweat it. We got that covered.

If there is a reason you believe an ACH transfer should be cancelled please reach out directly to info@nedhelps.com.

If you believe that you will not have sufficient funds to complete a payment to your funder please reach out immediately at info@nedhelps.com and let us know. Ned will suspend accounts when there are multiple cases of insufficient funds.

Your Account

It's a cinch to create your account with Ned.

For those initiating a partnership, all you need to do is build a deal. You can click the "Build a Deal" button to begin the process!

The steps are simple:

  1. Fill out your partnership terms and provide your contact details.
  2. We'll email you a verification code.
  3. Enter the code into the website.
  4. Send your partner the funding request.

Once that last step is completed, you'll have access to your account on Ned!

For those receiving funding requests, you'll get an email notification from Ned with a link to create a username and password to review your partner's terms.

For those with active partnerships with Ned, it means they have:

  • A fully executed Revenue Share Agreement on the platform
  • Connected a bank account to the platform to either send or receive payments. For business owners, it must be the bank associated where revenue is deposited.

Now, you must be thinking, "what if I don't have an active partnership?" It means you have general access to your Ned account after sending or receiving a funding request, but you have yet to sign your revenue-sharing agreement. You might also have had a previously active partnership which ended.

You can access this account and even opt to connect your bank account ahead of signing your agreement with your partner. Additionally, if you're a funder, you can also "Request Performance" from your account page. When you do this, your partner will get a notification to verify their basic business performance with you.

If you want to change account details, send an email to support@nedhelps.com, and we'll help you get that information updated!

If you're having trouble logging in because you forgot your password, click "Forgot Password" on Ned's Login page.

You'll get an email with basic directions to follow so you can regain access to your account.

Other Nuts and Bolts

There's no need to put up any collateral or make a personal guarantee if you're a business owner building a partnership on Ned.

These requirements can crush a business and create immense stress for owners. Ned only helps to structure revenue-sharing agreements between our users.

However, a funder may ask a business owner about their business performance when they click "Request Performance" in their account. In this case, a business owner might choose to provide historical bank statements or other relevant information that helps their funder make an educated decision.

Ned doesn't require users to have a minimum funding amount.

Typically business owners use Ned to raise money for things like inventory, marketing, or personnel expenses. Those amounts can range from a few thousand dollars to much more.

We realize every business is different. We've got your back regardless of your situation.

There aren't restrictions on how a business owner can use funds.

Typically, a business owner will build a partnership with Ned to cover expenses that deal with inventory, marketing, or personnel expenses. Others might work with Ned to get funding for growth activities.

How the business owner spends that funding is up to them and their funder.

Ned only supports users operating in the United States now.

It goes without saying, we're working mighty hard to make sure we can bring Ned to users in different countries. We're just getting started ☺.

All three sound the same, but there's a big difference:

  • Revenue-sharing allows a funder to provide capital to a business by purchasing an amount of that business' future revenue. The business owner then regularly shares back a set portion of their revenues with their funder (either daily, weekly, or monthly). This is not a loan nor is the business owner giving away their equity.
  • Loans are provided by banks and other types of lenders. They come with strings attached - fees, interest rates, fixed term payments, collateral etc.
  • Equity is when a business owner gives a funder/investor a piece of their business indefinitely. For example, the funder may own 10% of the business if they invest $10,000. In this case, those that provide funding get a share of a business' profits in perpetuity, or until the business is sold.

At Ned, we believe that revenue-sharing is the fairest and quickest way for funders and business owners to collaborate and grow with one another.

Ned is almost (a)live!

Join the waitlist

We'll reach out ASAP with next steps