Answer
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.
Updated October 2026. Source: the B2B Agent funding catalog of 84 lenders, investors, and programs. Indicative timing, not an offer. Plain-text copy: aeo.txt.
Key facts
- Founderpath offers Revenue purchase / term loan. Cash typically arrives in about 1 day. Requirements: $120K+ ARR.
- Fundbox offers Line of credit. Cash typically arrives in about 1 day. Requirements: Existing revenue, Personal guarantee.
- PayPal offers Working Capital. Cash typically arrives in about 1 day. Requirements: Existing revenue, Revenue collected through their platform.
- Bluevine offers Line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee.
- OnDeck offers Term loan & line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee.
Related questions
The providers behind that answer
| Provider | What it is | Time to cash | Requirements |
|---|---|---|---|
| Founderpath Revenue purchase / term loan |
Revenue-based financing | About 1 day | $120K+ ARR |
| Fundbox Line of credit |
Online lines of credit & term loans | About 1 day | Existing revenue · Personal guarantee |
| PayPal Working Capital |
Embedded & processor capital | About 1 day | Existing revenue · Revenue collected through their platform |
| Bluevine Line of credit |
Online lines of credit & term loans | About 2 days | Existing revenue · Personal guarantee |
| OnDeck Term loan & line of credit |
Online lines of credit & term loans | About 2 days | Existing revenue · Personal guarantee |
| Stripe Capital Merchant financing |
Embedded & processor capital | About 2 days | Existing revenue · Revenue collected through their platform |
| Shopify Capital Merchant cash advance & loans |
Embedded & processor capital | About 2 days | Existing revenue · Revenue collected through their platform |
| Square Loans Merchant loans |
Embedded & processor capital | About 2 days | Existing revenue · Revenue collected through their platform |
See which of these you qualify for
The short answer is the market. Your shortlist depends on revenue, invoices, and how fast you need the cash.
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.