Disclosed herein are system, method, and computer program product embodiments for providing predictive revenue distribution using machine learning and a Real-Time Payment (RTP) network. A revenue distribution system may train and apply a machine learning model to merchant transaction records to generate a predicted revenue amount. The revenue distribution system may deposit predicted revenue amounts to provide predictive funding for merchant accounts. For example, this may provide same-day and/or next-day funding. The revenue distribution system may account for differences in predicted revenue amounts and actual transaction amounts by adjusting the deposits of subsequent days. The revenue distribution system may also account for different periods of time, such as several days, a week, or longer. The revenue distribution system may also detect potentially fraudulent transaction amounts and/or may aid in monitoring business performance based on a detected difference between a predicted revenue amount and a provided transaction amount.