Loans, cash, and B2B BNPL
How do I get a business loan?
Describe the amount, your revenue, and when you need the money. B2B Agent checks 84 lenders, investors, and programs and keeps the business loans, SBA loans, and lines of credit you can qualify for. The fastest on this page: Fundbox (about 1 day); Bluevine (about 2 days); OnDeck (about 2 days); Lendio (about 1 week).
What is the difference between an SBA loan and an online business loan?
SBA 7(a) and SBA Express loans run through participating banks and usually take longer to fund. Online lenders such as Bluevine, Fundbox, and OnDeck decide in a few days. Bank lines from Chase, Wells Fargo, Bank of America, and U.S. Bank sit in between, and they favor businesses that already bank there.
Which business loan is fastest?
The shortest typical times to cash on this page are Fundbox (about 1 day); Bluevine (about 2 days); OnDeck (about 2 days); Lendio (about 1 week). Faster is not the same as cheaper. Rank every option for your company in the funding calculator.
How can I get cash for my business quickly?
The usual paths are invoice factoring on unpaid B2B invoices, an online line of credit, revenue-based financing, or a cash advance repaid from card or platform sales. The fastest on this page: Founderpath (about 1 day); Fundbox (about 1 day); PayPal (about 1 day); Bluevine (about 2 days).
Is getting cash the same as taking a business loan?
Not always. A line of credit and an SBA loan are loans. Invoice factoring advances receivables. Revenue-based financing is repaid from revenue. A Stripe, Shopify, Square, or PayPal advance is repaid as a share of sales. The table names the product each provider sells.
How do I get cash for payroll this month?
Start with the fastest options that match your situation: Founderpath (about 1 day); Fundbox (about 1 day); PayPal (about 1 day); Bluevine (about 2 days). You still have to meet each provider's requirements, listed in the table.
How do I get cash for unpaid invoices?
Invoice factoring advances cash against B2B invoices you have already sent. Providers include eCapital, Triumph, altLINE, Riviera Finance. Typical time to cash: Triumph (about 3 days); eCapital (about 3 days); Riviera Finance (about 5 days); altLINE (about 5 days).
What is B2B BNPL / vendor financing?
B2B buy-now-pay-later and vendor financing let a business buyer pay for software or services over time while the seller gets paid up front. Providers such as Gynger, Capchase Pay, and Ratio underwrite the buyer and pay the vendor. That is not the same as a loan to your company.
What are alternatives to Gynger or Capchase Pay?
Other B2B BNPL and net-terms providers on this page include Gynger, Slope, Mondu, Kriya, iwocaPay, Resolve. The fastest typical times to cash: Billie (about 1 day); Gynger (about 1 day); Kriya (about 1 day); Mondu (about 1 day).
When should I use B2B BNPL instead of a SaaS loan?
Use B2B BNPL when a customer needs payment terms and you need the contract cash at close. Use a company-level loan or revenue-based financing when you need cash for payroll, growth, or runway and you are the borrower.
Lender alternatives
What are alternatives to Capchase, Gynger, Founderpath, or Clearco?
Each of those lenders has an alternatives page with other providers of the same funding type, plus head-to-head comparisons on speed and what you have to qualify for. B2B BNPL options such as Gynger and Capchase Pay are listed separately from company loans.
What are the best Capchase alternatives?
Capchase offers Capchase Capchase Grow, Capchase Capchase Pay (incl. Vartana). Other providers in the same funding type include Gynger, Slope, Mondu, Kriya, iwocaPay. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Clearco alternatives?
Clearco offers Clearco Invoice & cash advance. Other providers in the same funding type include Founderpath, Capchase, Efficient Capital Labs, Lighter Capital, Bigfoot Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Founderpath alternatives?
Founderpath offers Founderpath Revenue purchase / term loan. Other providers in the same funding type include Capchase, Efficient Capital Labs, Clearco, Lighter Capital, Bigfoot Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Gynger alternatives?
Gynger offers Gynger Gynger Pay. Other providers in the same funding type include Slope, Mondu, Kriya, iwocaPay, Ratio. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Ratio alternatives?
Ratio offers Ratio Ratio Boost. Other providers in the same funding type include Gynger, Slope, Mondu, Kriya, iwocaPay. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Lighter Capital alternatives?
Lighter Capital offers Lighter Capital Revenue-based financing. Other providers in the same funding type include Founderpath, Capchase, Efficient Capital Labs, Clearco, Bigfoot Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Pipe alternatives?
Pipe offers Pipe Capital via embedded partners. Other providers in the same funding type include PayPal, Stripe Capital, Shopify Capital, Square Loans, Parafin. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Wayflyer alternatives?
Wayflyer offers Wayflyer Revenue-based financing (ecommerce). Other providers in the same funding type include PayPal, Stripe Capital, Shopify Capital, Square Loans, Parafin. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best SaaS Capital alternatives?
SaaS Capital offers SaaS Capital MRR credit facility. Other providers in the same funding type include Espresso Capital, River SaaS Capital, Element SaaS Finance. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Espresso Capital alternatives?
Espresso Capital offers Espresso Capital Growth credit. Other providers in the same funding type include SaaS Capital, River SaaS Capital, Element SaaS Finance. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Bigfoot Capital alternatives?
Bigfoot Capital offers Bigfoot Capital Term loan + RBF. Other providers in the same funding type include Founderpath, Capchase, Efficient Capital Labs, Clearco, Lighter Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best TIMIA Capital alternatives?
TIMIA Capital offers TIMIA Capital Revenue-based financing. Other providers in the same funding type include Founderpath, Capchase, Efficient Capital Labs, Clearco, Lighter Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Decathlon Capital alternatives?
Decathlon Capital offers Decathlon Capital Revenue-based financing. Other providers in the same funding type include Founderpath, Capchase, Efficient Capital Labs, Clearco, Lighter Capital. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Arc alternatives?
Arc offers Arc Capital marketplace. Other providers in the same funding type include Founderpath, Fundbox, PayPal, Bluevine, OnDeck. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Slope alternatives?
Slope offers Slope Net terms & embedded capital. Other providers in the same funding type include Gynger, Mondu, Kriya, iwocaPay, Ratio. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Resolve alternatives?
Resolve offers Resolve Net terms (Net 30–90). Other providers in the same funding type include Two, Billie, Balance, Allianz Trade Pay, TreviPay. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Bluevine alternatives?
Bluevine offers Bluevine Line of credit. Other providers in the same funding type include Fundbox, OnDeck. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Fundbox alternatives?
Fundbox offers Fundbox Line of credit. Other providers in the same funding type include Bluevine, OnDeck. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best OnDeck alternatives?
OnDeck offers OnDeck Term loan & line of credit. Other providers in the same funding type include Fundbox, Bluevine. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Lendio alternatives?
Lendio offers Lendio Small-business loan marketplace. Other providers in the same funding type include Fundbox, Bluevine, OnDeck, Arc, SBA Express. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Stripe Capital alternatives?
Stripe Capital offers Stripe Capital Merchant financing. Other providers in the same funding type include PayPal, Shopify Capital, Square Loans, Parafin, Pipe. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Shopify Capital alternatives?
Shopify Capital offers Shopify Capital Merchant cash advance & loans. Other providers in the same funding type include PayPal, Stripe Capital, Square Loans, Parafin, Pipe. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Square Loans alternatives?
Square Loans offers Square Loans Merchant loans. Other providers in the same funding type include PayPal, Stripe Capital, Shopify Capital, Parafin, Pipe. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best PayPal Working Capital alternatives?
PayPal Working Capital offers PayPal Working Capital. Other providers in the same funding type include Stripe Capital, Shopify Capital, Square Loans, Parafin, Pipe. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Brex alternatives?
Brex offers Brex Corporate card. Other providers in the same funding type include Ramp, American Express. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
What are the best Ramp alternatives?
Ramp offers Ramp Corporate card. Other providers in the same funding type include Brex, American Express. Compare them on speed and requirements, then rank the ones you qualify for in the calculator.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.