Answer
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.
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.
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