# B2B Agent blog: every funding site > Each site is one record with the same fields: what it is, the product, time to cash, requirements, and regions. Updated October 2026. Not an offer of credit. Blog: https://b2bagent.tech/blog Answers: https://b2bagent.tech/aeo.txt ## Every site that provides a business loan, cash, or funding B2B Agent compares 84 sites that provide a business loan, cash, invoice funding, revenue-based financing, venture debt, equity, or a grant. The sites are: Ratio, Capchase, Gynger, Slope, Mondu, Kriya, iwocaPay, Resolve, Balance, TreviPay, Two, Billie, Allianz Trade Pay, Founderpath, Lighter Capital, Efficient Capital Labs, Clearco, Bigfoot Capital, Flow Capital, TIMIA Capital, Decathlon Capital, SaaS Capital, Espresso Capital, River SaaS Capital, Element SaaS Finance, Hercules Capital, TriplePoint Capital, Trinity Capital, Runway Growth Capital, Horizon Technology Finance, Western Technology Investment, Partners for Growth, Claret Capital Partners, Columbia Lake Partners, First Citizens (SVB), HSBC Innovation Banking, Bridge Bank, J.P. Morgan, Stifel Venture Banking, Banc of California, SBA 7(a) loan, SBA Express, Live Oak Bank, Wells Fargo, Chase, Bank of America, U.S. Bank, Credit unions & community banks, Fundbox, Bluevine, OnDeck, altLINE, eCapital, Triumph, Riviera Finance, Stripe Capital, Shopify Capital, Square Loans, PayPal, Parafin, Pipe, Wayflyer, Arc, Lendio, Brex, Ramp, American Express, Annual upfront billing, Multi-year prepay, Paid pilots & design partners, Friends & family, Angel investors, Seed VC, Series A VC, Wefunder, Republic, StartEngine, Y Combinator, Techstars, SBIR/STTR Phase I, SBIR/STTR Phase II, R&D tax credit, EIC Accelerator. ### Ratio — Ratio Boost Ratio is a B2B BNPL & buyer financing site. The product is Ratio Boost. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ratio - Website: https://www.ratiotech.com - Note: Embedded in CRM/CPQ with proposals and e-sign. Risk-based pricing; the seller chooses whether buyer, seller, or both carry the fee. ### Capchase — Capchase Pay (incl. Vartana) Capchase is a B2B BNPL & buyer financing site. The product is Capchase Pay (incl. Vartana). Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, EU. - Funding type: B2B BNPL & buyer financing - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, EU - Profile: https://b2bagent.tech/funding/lenders/capchase-pay - Website: https://www.capchase.com - Note: Acquired Vartana (vendor financing) in 2025. ### Gynger — Gynger Pay Gynger is a B2B BNPL & buyer financing site. The product is Gynger Pay. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/gynger - Website: https://www.gynger.io - Note: Buyer-led tech-spend financing; vendor paid next business day. Net 30/60/90 or 3–12 month plans. Pricing not public. ### Slope — Net terms & embedded capital Slope is a B2B BNPL & buyer financing site. The product is Net terms & embedded capital. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/slope - Website: https://slope.so - Note: Works for goods and services, not just SaaS. ### Mondu — Net terms & instalments Mondu is a B2B BNPL & buyer financing site. The product is Net terms & instalments. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/mondu - Website: https://www.mondu.ai - Note: Real-time approvals up to about €1M per buyer; EMI-licensed across the EEA. ### Kriya — Pay later (Allica Bank) Kriya is a B2B BNPL & buyer financing site. The product is Pay later (Allica Bank). Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK - Profile: https://b2bagent.tech/funding/lenders/kriya - Website: https://www.kriya.co - Note: UK B2B pay-later; acquired by Allica Bank in 2025. ### iwocaPay — Pay later for trade iwocaPay is a B2B BNPL & buyer financing site. The product is Pay later for trade. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK - Profile: https://b2bagent.tech/funding/lenders/iwocapay - Website: https://www.iwoca.co.uk/iwocapay-buyer-pay-later - Note: UK SMB pay-later, instant approvals up to about £30K. ### Resolve — Net terms (Net 30–90) Resolve is a Net terms & trade credit site. The product is Net terms (Net 30–90). Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/resolve - Website: https://resolvepay.com - Note: Also offers AR financing. ### Balance — B2B checkout & terms Balance is a Net terms & trade credit site. The product is B2B checkout & terms. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in US. - Funding type: Net terms & trade credit - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/balance - Website: https://www.getbalance.com - Note: API-first B2B checkout with net terms for marketplaces and SaaS. ### TreviPay — Enterprise trade credit TreviPay is a Net terms & trade credit site. The product is Enterprise trade credit. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, UK, EU. - Funding type: Net terms & trade credit - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/trevipay - Website: https://www.trevipay.com - Note: Managed trade-credit programs for enterprise B2B sellers; non-recourse. ### Two — B2B BNPL Two is a Net terms & trade credit site. The product is B2B BNPL. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK, EU, US. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK, EU, US - Profile: https://b2bagent.tech/funding/lenders/two - Website: https://www.two.inc - Note: Real-time decisioning, backed by Santander CIB and Allianz Trade for large programs. ### Billie — Invoice pay-later Billie is a Net terms & trade credit site. The product is Invoice pay-later. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/billie - Website: https://www.billie.io - Note: Live in the UK and 11 European markets, including via Adyen. ### Allianz Trade Pay — Trade credit Allianz Trade Pay is a Net terms & trade credit site. The product is Trade credit. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: Net terms & trade credit - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/allianz-pay - Website: https://www.allianz-trade.com - Note: Credit-insurer-backed B2B payment terms. ### Founderpath — Revenue purchase / term loan Founderpath is a Revenue-based financing site. The product is Revenue purchase / term loan. Cash typically arrives in about 1 day. Requirements: $120K+ ARR. Available in US, Global. - Funding type: Revenue-based financing - Time to cash: About 1 day - Requirements: $120K+ ARR - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/founderpath - Website: https://founderpath.com - Note: Up to ~4x MRR, no personal guarantee. ### Capchase — Capchase Grow Capchase is a Revenue-based financing site. The product is Capchase Grow. Cash typically arrives in about 3 days. Requirements: $1M+ ARR. Available in US, EU. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: $1M+ ARR - Regions: US, EU - Profile: https://b2bagent.tech/funding/lenders/capchase-grow - Website: https://www.capchase.com - Note: Sources differ on minimum ARR; runway covenant reported. ### Lighter Capital — Revenue-based financing Lighter Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 3 weeks. Requirements: $500K+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 3 weeks - Requirements: $500K+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/lighter - Website: https://www.lightercapital.com - Note: Repay 1.3–1.5x the amount via a share of monthly revenue; ~3–4 weeks to fund. ### Efficient Capital Labs — Cross-border advance Efficient Capital Labs is a Revenue-based financing site. The product is Cross-border advance. Cash typically arrives in about 3 days. Requirements: Existing revenue. Available in US, Global. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: Existing revenue - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/ecl - Website: https://www.ecaplabs.com - Note: SaaS with a US or India entity; 12-month standard term. ### Clearco — Invoice & cash advance Clearco is a Revenue-based financing site. The product is Invoice & cash advance. Cash typically arrives in about 3 days. Requirements: $120K+ ARR. Available in US, UK. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: $120K+ ARR - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/clearco - Website: https://clear.co - Note: Ecommerce-first, expanding to SaaS. ### Bigfoot Capital — Term loan + RBF Bigfoot Capital is a Revenue-based financing site. The product is Term loan + RBF. Cash typically arrives in about 3 weeks. Requirements: $500K+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 3 weeks - Requirements: $500K+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bigfoot - Website: https://www.bigfootcap.com - Note: SaaS lender for early-revenue companies; term loans and revenue-based structures. ### Flow Capital — Growth debt (no VC needed) Flow Capital is a Revenue-based financing site. The product is Growth debt (no VC needed). Cash typically arrives in about 4 weeks. Requirements: $3M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $3M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/flow - Website: https://www.flowcap.com - Note: Founder-friendly venture debt alternative for companies without institutional VCs. ### TIMIA Capital — Revenue-based financing TIMIA Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/timia - Website: https://www.timiacapital.com - Note: RBF for B2B SaaS with 2–6 year terms. ### Decathlon Capital — Revenue-based financing Decathlon Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 4 weeks. Requirements: $2M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $2M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/decathlon - Website: https://www.decathloncapital.com - Note: Larger RBF checks with payments tied to revenue. ### SaaS Capital — MRR credit facility SaaS Capital is a SaaS term loans & credit facilities site. The product is MRR credit facility. Cash typically arrives in about 4 weeks. Requirements: $3M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $3M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/saas-capital - Website: https://www.saas-capital.com - Note: Category leader for MRR-based credit lines; covenants apply. ### Espresso Capital — Growth credit Espresso Capital is a SaaS term loans & credit facilities site. The product is Growth credit. Cash typically arrives in about 4 weeks. Requirements: $2M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $2M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/espresso - Website: https://espressocapital.com - Note: Growth credit lines for tech companies, no personal guarantee. ### River SaaS Capital — Term loan River SaaS Capital is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/river - Website: https://riversaascapital.com - Note: Term loans for $1–5M ARR SaaS. ### Element SaaS Finance — Term loan Element SaaS Finance is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/element - Website: https://elementsaas.com - Note: Term debt for bootstrapped and lightly funded SaaS. ### Hercules Capital — Venture debt Hercules Capital is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $5M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $5M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/hercules - Website: https://www.htgc.com - Note: Largest venture lender; typical borrower is $20M+ ARR. ### TriplePoint Capital — Venture debt TriplePoint Capital is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $3M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $3M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/triplepoint - Website: https://www.triplepointcapital.com - Note: Earlier-stage focus than Hercules; $3–50M facilities. ### Trinity Capital — Venture debt & equipment Trinity Capital is a Venture debt site. The product is Venture debt & equipment. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $2M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $2M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/trinity - Website: https://trinitycap.com - Note: Term loans and equipment financing for venture-backed companies. ### Runway Growth Capital — Growth-stage debt Runway Growth Capital is a Venture debt site. The product is Growth-stage debt. Cash typically arrives in about 2 months. Requirements: Minimum raise $10M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Minimum raise $10M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/runway-growth - Website: https://www.runwaygrowth.com - Note: $10–100M checks for later-stage companies; lighter warrants. ### Horizon Technology Finance — Venture debt Horizon Technology Finance is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $1M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $1M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/horizon - Website: https://www.horizontechfinance.com - Note: Venture lending to tech and life-science companies. ### Western Technology Investment — Venture debt Western Technology Investment is a Venture debt site. The product is Venture debt. Cash typically arrives in about 4 weeks. Requirements: Minimum raise $1M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 4 weeks - Requirements: Minimum raise $1M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wti - Website: https://www.westerntech.com - Note: Long-running venture lender to early and growth-stage startups. ### Partners for Growth — Venture & growth debt Partners for Growth is a Venture debt site. The product is Venture & growth debt. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, Global. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/pfg - Website: https://www.pfgrowth.com - Note: Flexible growth debt, including for less conventional borrowers. ### Claret Capital Partners — Growth debt Claret Capital Partners is a Venture debt site. The product is Growth debt. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in UK, EU. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: UK, EU - Profile: https://b2bagent.tech/funding/lenders/claret - Website: https://www.claret-capital.com - Note: European venture and growth debt. ### Columbia Lake Partners — Growth debt Columbia Lake Partners is a Venture debt site. The product is Growth debt. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in UK, EU. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: UK, EU - Profile: https://b2bagent.tech/funding/lenders/columbia-lake - Website: https://clpgrowth.com - Note: European growth debt for venture-backed tech. ### First Citizens (SVB) — Venture banking First Citizens (SVB) is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/first-citizens - Website: https://www.svb.com - Note: Rebuilt Silicon Valley Bank. Prime-based pricing; expects operating deposits. ### HSBC Innovation Banking — Venture banking HSBC Innovation Banking is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/hsbc-innovation - Website: https://www.hsbcinnovationbanking.com - Note: Formerly SVB UK; venture debt and lines for VC-backed companies. ### Bridge Bank — Technology banking (Western Alliance) Bridge Bank is a Venture banks site. The product is Technology banking (Western Alliance). Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bridge-bank - Website: https://www.bridgebank.com - Note: Venture and growth-stage lending with deposit relationship. ### J.P. Morgan — Innovation Economy banking J.P. Morgan is a Venture banks site. The product is Innovation Economy banking. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/jpm-ie - Website: https://www.jpmorgan.com/commercial-banking/startups - Note: Venture debt and banking for VC-backed startups. ### Stifel Venture Banking — Venture banking Stifel Venture Banking is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/stifel - Website: https://www.stifel.com - Note: Venture loans and credit lines alongside banking services. ### Banc of California — Venture banking (formerly PacWest) Banc of California is a Venture banks site. The product is Venture banking (formerly PacWest). Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/banc-ca - Website: https://www.bancofcal.com - Note: Venture banking group from the PacWest merger. ### SBA 7(a) loan — Via participating banks SBA 7(a) loan is a SBA & small-business bank loans site. The product is Via participating banks. Cash typically arrives in about 2 months. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 2 months - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sba-7a - Website: https://www.sba.gov/funding-programs/loans/7a-loans - Note: up to $5M, up to 10 years for working capital. ### SBA Express — Via participating banks SBA Express is a SBA & small-business bank loans site. The product is Via participating banks. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sba-express - Website: https://www.sba.gov/funding-programs/loans/7a-loans - Note: Faster SBA decision, up to $500K. ### Live Oak Bank — SBA & small-business loans Live Oak Bank is a SBA & small-business bank loans site. The product is SBA & small-business loans. Cash typically arrives in about 6 weeks. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 6 weeks - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/live-oak - Website: https://www.liveoakbank.com - Note: Top SBA lender with a software and tech lending group. ### Wells Fargo — Small-business lines & term loans Wells Fargo is a Traditional bank loans & lines site. The product is Small-business lines & term loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wells-fargo - Website: https://www.wellsfargo.com/biz/ - Note: Secured and unsecured business credit lines and term loans for established businesses. Rates not published; Prime-based. ### Chase — Business lines of credit & term loans Chase is a Traditional bank loans & lines site. The product is Business lines of credit & term loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/chase-business - Website: https://www.chase.com/business - Note: Chase's small-business lending, separate from J.P. Morgan's venture-focused Innovation Economy group. Rates not published; Prime-based. ### Bank of America — Small-business credit lines & loans Bank of America is a Traditional bank loans & lines site. The product is Small-business credit lines & loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bofa - Website: https://www.bankofamerica.com/smallbusiness/ - Note: Secured and unsecured lines and term loans; relationship and deposit history help. Rates not published; Prime-based. ### U.S. Bank — Small-business loans & lines U.S. Bank is a Traditional bank loans & lines site. The product is Small-business loans & lines. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/us-bank - Website: https://www.usbank.com/business-banking.html - Note: Business lines, term loans, and SBA lending for established businesses. Rates not published; Prime-based. ### Credit unions & community banks — Local business loans & lines Credit unions & community banks is a Traditional bank loans & lines site. The product is Local business loans & lines. Cash typically arrives in about 6 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 6 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/credit-union - Note: Often the most flexible bank option for small, local businesses; terms vary widely by institution. ### Fundbox — Line of credit Fundbox is a Online lines of credit & term loans site. The product is Line of credit. Cash typically arrives in about 1 day. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 1 day - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/fundbox - Website: https://fundbox.com - Note: Weekly repayments over 12 or 24 weeks. ### Bluevine — Line of credit Bluevine is a Online lines of credit & term loans site. The product is Line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 2 days - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bluevine - Website: https://www.bluevine.com ### OnDeck — Term loan & line of credit OnDeck is a Online lines of credit & term loans site. The product is Term loan & line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 2 days - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ondeck - Website: https://www.ondeck.com - Note: Fast small-business loans; high APRs. ### altLINE — Invoice factoring (The Southern Bank) altLINE is a Invoice factoring & AR financing site. The product is Invoice factoring (The Southern Bank). Cash typically arrives in about 5 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 5 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/altline - Website: https://altline.sobanco.com - Note: Bank-backed factoring; ### eCapital — Factoring & ABL eCapital is a Invoice factoring & AR financing site. The product is Factoring & ABL. Cash typically arrives in about 3 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US, UK. - Funding type: Invoice factoring & AR financing - Time to cash: About 3 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/ecapital - Website: https://ecapital.com - Note: Invoice factoring and asset-based lines. ### Triumph — Invoice factoring (TBK) Triumph is a Invoice factoring & AR financing site. The product is Invoice factoring (TBK). Cash typically arrives in about 3 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 3 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/triumph - Website: https://www.tbkbank.com - Note: Bank-owned factoring; strongest in transportation. ### Riviera Finance — Invoice factoring Riviera Finance is a Invoice factoring & AR financing site. The product is Invoice factoring. Cash typically arrives in about 5 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 5 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/riviera - Website: https://www.rivierafinance.com - Note: Non-recourse factoring for B2B invoices. ### Stripe Capital — Merchant financing Stripe Capital is a Embedded & processor capital site. The product is Merchant financing. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/stripe-capital - Website: https://stripe.com/capital - Note: Offered to Stripe users; ### Shopify Capital — Merchant cash advance & loans Shopify Capital is a Embedded & processor capital site. The product is Merchant cash advance & loans. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/shopify-capital - Website: https://www.shopify.com/capital - Note: Offered to Shopify merchants; repaid from sales. ### Square Loans — Merchant loans Square Loans is a Embedded & processor capital site. The product is Merchant loans. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/square-loans - Website: https://squareup.com/us/en/loans - Note: Offered to Square sellers; repaid from card sales. ### PayPal — Working Capital PayPal is a Embedded & processor capital site. The product is Working Capital. Cash typically arrives in about 1 day. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 1 day - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/paypal-wc - Website: https://www.paypal.com/workingcapital ### Parafin — Embedded capital via platforms Parafin is a Embedded & processor capital site. The product is Embedded capital via platforms. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/parafin - Website: https://www.parafin.com - Note: Powers capital offers inside marketplaces and vertical SaaS platforms. ### Pipe — Capital via embedded partners Pipe is a Embedded & processor capital site. The product is Capital via embedded partners. Cash typically arrives in about 3 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 3 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/pipe - Website: https://pipe.com - Note: Pivoted from trading SaaS contracts to revenue-based capital offered through partner platforms. ### Wayflyer — Revenue-based financing (ecommerce) Wayflyer is a Embedded & processor capital site. The product is Revenue-based financing (ecommerce). Cash typically arrives in about 3 days. Requirements: Existing revenue. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 3 days - Requirements: Existing revenue - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/wayflyer - Website: https://wayflyer.com - Note: Ecommerce-focused revenue-based advances. ### Arc — Capital marketplace Arc is a Capital marketplaces site. The product is Capital marketplace. Cash typically arrives in about 2 weeks. Requirements: Existing revenue. Available in US. - Funding type: Capital marketplaces - Time to cash: About 2 weeks - Requirements: Existing revenue - Regions: US - Profile: https://b2bagent.tech/funding/lenders/arc - Website: https://www.arc.tech - Note: Routes founders to third-party lenders since 2024; finder's fee not public. ### Lendio — Small-business loan marketplace Lendio is a Capital marketplaces site. The product is Small-business loan marketplace. Cash typically arrives in about 1 week. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Capital marketplaces - Time to cash: About 1 week - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/lendio - Website: https://www.lendio.com - Note: Matches small businesses with SBA, online, and bank lenders. ### Brex — Corporate card Brex is a Corporate cards (spend float) site. The product is Corporate card. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, Global. - Funding type: Corporate cards (spend float) - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/brex - Website: https://www.brex.com - Note: Charge card; limits based on cash balance and spend. Pay in full monthly. ### Ramp — Corporate card Ramp is a Corporate cards (spend float) site. The product is Corporate card. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US. - Funding type: Corporate cards (spend float) - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ramp - Website: https://ramp.com - Note: Charge card with spend controls; pay in full. ### American Express — Business cards American Express is a Corporate cards (spend float) site. The product is Business cards. Cash typically arrives in about 1 week. Requirements: Personal guarantee. Available in US, UK, EU. - Funding type: Corporate cards (spend float) - Time to cash: About 1 week - Requirements: Personal guarantee - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/amex - Website: https://www.americanexpress.com - Note: Charge and credit cards; pay-over-time features carry credit-card APRs. ### Annual upfront billing — Discount for paying a year upfront Annual upfront billing is a Customer-funded site. The product is Discount for paying a year upfront. Cash typically arrives in about 4 weeks. Requirements: Existing revenue. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 4 weeks - Requirements: Existing revenue - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/annual-prepay - Note: Offer a discount for annual prepayment instead of monthly billing. ### Multi-year prepay — Discount for 2–3 years upfront Multi-year prepay is a Customer-funded site. The product is Discount for 2–3 years upfront. Cash typically arrives in about 2 months. Requirements: Existing revenue. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 2 months - Requirements: Existing revenue - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/multi-year - Note: Larger discount for multi-year cash upfront; best with sticky enterprise buyers. ### Paid pilots & design partners — Upfront pilot fees Paid pilots & design partners is a Customer-funded site. The product is Upfront pilot fees. Cash typically arrives in about 6 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 6 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/design-partner - Note: Pre-revenue: customers pay for early access, usually at a steep discount. ### Friends & family — Early equity or SAFEs Friends & family is a Equity investors site. The product is Early equity or SAFEs. Cash typically arrives in about 4 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 4 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/friends-family - Note: Fast and flexible; keep terms standard (post-money SAFE). ### Angel investors — SAFEs / priced seed Angel investors is a Equity investors site. The product is SAFEs / priced seed. Cash typically arrives in about 6 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 6 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/angels - Note: Individual investors, typically $25K–$250K checks. ### Seed VC — Priced seed or SAFE round Seed VC is a Equity investors site. The product is Priced seed or SAFE round. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/seed-vc ### Series A VC — Priced round Series A VC is a Equity investors site. The product is Priced round. Cash typically arrives in about 4 months. Requirements: $1M+ ARR. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 4 months - Requirements: $1M+ ARR - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/series-a - Note: Usually expects $1M+ ARR and strong growth. ### Wefunder — Reg CF crowdfunding Wefunder is a Equity crowdfunding site. The product is Reg CF crowdfunding. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wefunder - Website: https://wefunder.com - Note: Platform fee on funds raised; investors from your community. ### Republic — Reg CF crowdfunding Republic is a Equity crowdfunding site. The product is Reg CF crowdfunding. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/republic - Website: https://republic.com - Note: Cash fee plus a small equity fee on the raise. ### StartEngine — Reg CF / Reg A+ StartEngine is a Equity crowdfunding site. The product is Reg CF / Reg A+. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/startengine - Website: https://www.startengine.com - Note: Crowdfunding with Reg A+ for larger raises. ### Y Combinator — Standard deal Y Combinator is a Accelerators site. The product is Standard deal. Cash typically arrives in about 3 months. Requirements: No hard minimums listed. Available in US, Global. - Funding type: Accelerators - Time to cash: About 3 months - Requirements: No hard minimums listed - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/yc - Website: https://www.ycombinator.com/deal ### Techstars — Accelerator investment Techstars is a Accelerators site. The product is Accelerator investment. Cash typically arrives in about 3 months. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Accelerators - Time to cash: About 3 months - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/techstars - Website: https://www.techstars.com/newsroom/investment-terms ### SBIR/STTR Phase I — US federal R&D grant SBIR/STTR Phase I is a Grants & tax credits site. The product is US federal R&D grant. Cash typically arrives in about 5 months. Requirements: No hard minimums listed. Available in US. - Funding type: Grants & tax credits - Time to cash: About 5 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sbir1 - Website: https://www.sbir.gov - Note: 2026 cap $314,363 over 6–12 months; agency-specific topics. ### SBIR/STTR Phase II — US federal R&D grant SBIR/STTR Phase II is a Grants & tax credits site. The product is US federal R&D grant. Cash typically arrives in about 6 months. Requirements: Usually requires a Phase I award. Available in US. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: Usually requires a Phase I award - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sbir2 - Website: https://www.sbir.gov - Note: $750K–$2M over about 24 months. ### R&D tax credit — Payroll tax offset R&D tax credit is a Grants & tax credits site. The product is Payroll tax offset. Cash typically arrives in about 6 months. Requirements: Needs qualifying R&D spend. Available in US. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: Needs qualifying R&D spend - Regions: US - Profile: https://b2bagent.tech/funding/lenders/rd-credit - Website: https://www.irs.gov/businesses/research-credit - Note: Startups under $5M receipts can offset up to $500K/yr of payroll tax. ### EIC Accelerator — EU grant + optional equity EIC Accelerator is a Grants & tax credits site. The product is EU grant + optional equity. Cash typically arrives in about 6 months. Requirements: No hard minimums listed. Available in EU. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: No hard minimums listed - Regions: EU - Profile: https://b2bagent.tech/funding/lenders/eic - Website: https://eic.ec.europa.eu - Note: Grant up to €2.5M, with optional EIC Fund equity on top. ## Every B2B BNPL & buyer financing site A lender pays you the full contract value upfront; your customer pays the lender over time. The sites are: Ratio, Capchase, Gynger, Slope, Mondu, Kriya, iwocaPay. ### Ratio — Ratio Boost Ratio is a B2B BNPL & buyer financing site. The product is Ratio Boost. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ratio - Website: https://www.ratiotech.com - Note: Embedded in CRM/CPQ with proposals and e-sign. Risk-based pricing; the seller chooses whether buyer, seller, or both carry the fee. ### Capchase — Capchase Pay (incl. Vartana) Capchase is a B2B BNPL & buyer financing site. The product is Capchase Pay (incl. Vartana). Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, EU. - Funding type: B2B BNPL & buyer financing - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, EU - Profile: https://b2bagent.tech/funding/lenders/capchase-pay - Website: https://www.capchase.com - Note: Acquired Vartana (vendor financing) in 2025. ### Gynger — Gynger Pay Gynger is a B2B BNPL & buyer financing site. The product is Gynger Pay. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/gynger - Website: https://www.gynger.io - Note: Buyer-led tech-spend financing; vendor paid next business day. Net 30/60/90 or 3–12 month plans. Pricing not public. ### Slope — Net terms & embedded capital Slope is a B2B BNPL & buyer financing site. The product is Net terms & embedded capital. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/slope - Website: https://slope.so - Note: Works for goods and services, not just SaaS. ### Mondu — Net terms & instalments Mondu is a B2B BNPL & buyer financing site. The product is Net terms & instalments. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/mondu - Website: https://www.mondu.ai - Note: Real-time approvals up to about €1M per buyer; EMI-licensed across the EEA. ### Kriya — Pay later (Allica Bank) Kriya is a B2B BNPL & buyer financing site. The product is Pay later (Allica Bank). Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK - Profile: https://b2bagent.tech/funding/lenders/kriya - Website: https://www.kriya.co - Note: UK B2B pay-later; acquired by Allica Bank in 2025. ### iwocaPay — Pay later for trade iwocaPay is a B2B BNPL & buyer financing site. The product is Pay later for trade. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK. - Funding type: B2B BNPL & buyer financing - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK - Profile: https://b2bagent.tech/funding/lenders/iwocapay - Website: https://www.iwoca.co.uk/iwocapay-buyer-pay-later - Note: UK SMB pay-later, instant approvals up to about £30K. ## Every Net terms & trade credit site Offer Net 30/60/90 to customers; the provider pays you now and collects later. The sites are: Resolve, Balance, TreviPay, Two, Billie, Allianz Trade Pay. ### Resolve — Net terms (Net 30–90) Resolve is a Net terms & trade credit site. The product is Net terms (Net 30–90). Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/resolve - Website: https://resolvepay.com - Note: Also offers AR financing. ### Balance — B2B checkout & terms Balance is a Net terms & trade credit site. The product is B2B checkout & terms. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in US. - Funding type: Net terms & trade credit - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/balance - Website: https://www.getbalance.com - Note: API-first B2B checkout with net terms for marketplaces and SaaS. ### TreviPay — Enterprise trade credit TreviPay is a Net terms & trade credit site. The product is Enterprise trade credit. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, UK, EU. - Funding type: Net terms & trade credit - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/trevipay - Website: https://www.trevipay.com - Note: Managed trade-credit programs for enterprise B2B sellers; non-recourse. ### Two — B2B BNPL Two is a Net terms & trade credit site. The product is B2B BNPL. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK, EU, US. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: UK, EU, US - Profile: https://b2bagent.tech/funding/lenders/two - Website: https://www.two.inc - Note: Real-time decisioning, backed by Santander CIB and Allianz Trade for large programs. ### Billie — Invoice pay-later Billie is a Net terms & trade credit site. The product is Invoice pay-later. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: Net terms & trade credit - Time to cash: About 1 day - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/billie - Website: https://www.billie.io - Note: Live in the UK and 11 European markets, including via Adyen. ### Allianz Trade Pay — Trade credit Allianz Trade Pay is a Net terms & trade credit site. The product is Trade credit. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in EU, UK. - Funding type: Net terms & trade credit - Time to cash: About 2 days - Requirements: No hard minimums listed - Regions: EU, UK - Profile: https://b2bagent.tech/funding/lenders/allianz-pay - Website: https://www.allianz-trade.com - Note: Credit-insurer-backed B2B payment terms. ## Every Revenue-based financing site Get an advance against future recurring revenue; repay a fixed fee or a share of revenue. The sites are: Founderpath, Capchase, Lighter Capital, Efficient Capital Labs, Clearco, Bigfoot Capital, Flow Capital, TIMIA Capital, Decathlon Capital. ### Founderpath — Revenue purchase / term loan Founderpath is a Revenue-based financing site. The product is Revenue purchase / term loan. Cash typically arrives in about 1 day. Requirements: $120K+ ARR. Available in US, Global. - Funding type: Revenue-based financing - Time to cash: About 1 day - Requirements: $120K+ ARR - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/founderpath - Website: https://founderpath.com - Note: Up to ~4x MRR, no personal guarantee. ### Capchase — Capchase Grow Capchase is a Revenue-based financing site. The product is Capchase Grow. Cash typically arrives in about 3 days. Requirements: $1M+ ARR. Available in US, EU. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: $1M+ ARR - Regions: US, EU - Profile: https://b2bagent.tech/funding/lenders/capchase-grow - Website: https://www.capchase.com - Note: Sources differ on minimum ARR; runway covenant reported. ### Lighter Capital — Revenue-based financing Lighter Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 3 weeks. Requirements: $500K+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 3 weeks - Requirements: $500K+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/lighter - Website: https://www.lightercapital.com - Note: Repay 1.3–1.5x the amount via a share of monthly revenue; ~3–4 weeks to fund. ### Efficient Capital Labs — Cross-border advance Efficient Capital Labs is a Revenue-based financing site. The product is Cross-border advance. Cash typically arrives in about 3 days. Requirements: Existing revenue. Available in US, Global. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: Existing revenue - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/ecl - Website: https://www.ecaplabs.com - Note: SaaS with a US or India entity; 12-month standard term. ### Clearco — Invoice & cash advance Clearco is a Revenue-based financing site. The product is Invoice & cash advance. Cash typically arrives in about 3 days. Requirements: $120K+ ARR. Available in US, UK. - Funding type: Revenue-based financing - Time to cash: About 3 days - Requirements: $120K+ ARR - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/clearco - Website: https://clear.co - Note: Ecommerce-first, expanding to SaaS. ### Bigfoot Capital — Term loan + RBF Bigfoot Capital is a Revenue-based financing site. The product is Term loan + RBF. Cash typically arrives in about 3 weeks. Requirements: $500K+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 3 weeks - Requirements: $500K+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bigfoot - Website: https://www.bigfootcap.com - Note: SaaS lender for early-revenue companies; term loans and revenue-based structures. ### Flow Capital — Growth debt (no VC needed) Flow Capital is a Revenue-based financing site. The product is Growth debt (no VC needed). Cash typically arrives in about 4 weeks. Requirements: $3M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $3M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/flow - Website: https://www.flowcap.com - Note: Founder-friendly venture debt alternative for companies without institutional VCs. ### TIMIA Capital — Revenue-based financing TIMIA Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/timia - Website: https://www.timiacapital.com - Note: RBF for B2B SaaS with 2–6 year terms. ### Decathlon Capital — Revenue-based financing Decathlon Capital is a Revenue-based financing site. The product is Revenue-based financing. Cash typically arrives in about 4 weeks. Requirements: $2M+ ARR. Available in US. - Funding type: Revenue-based financing - Time to cash: About 4 weeks - Requirements: $2M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/decathlon - Website: https://www.decathloncapital.com - Note: Larger RBF checks with payments tied to revenue. ## Every SaaS term loans & credit facilities site A term loan or revolving line sized to your recurring revenue, usually with covenants. The sites are: SaaS Capital, Espresso Capital, River SaaS Capital, Element SaaS Finance. ### SaaS Capital — MRR credit facility SaaS Capital is a SaaS term loans & credit facilities site. The product is MRR credit facility. Cash typically arrives in about 4 weeks. Requirements: $3M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $3M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/saas-capital - Website: https://www.saas-capital.com - Note: Category leader for MRR-based credit lines; covenants apply. ### Espresso Capital — Growth credit Espresso Capital is a SaaS term loans & credit facilities site. The product is Growth credit. Cash typically arrives in about 4 weeks. Requirements: $2M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $2M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/espresso - Website: https://espressocapital.com - Note: Growth credit lines for tech companies, no personal guarantee. ### River SaaS Capital — Term loan River SaaS Capital is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/river - Website: https://riversaascapital.com - Note: Term loans for $1–5M ARR SaaS. ### Element SaaS Finance — Term loan Element SaaS Finance is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US. - Funding type: SaaS term loans & credit facilities - Time to cash: About 4 weeks - Requirements: $1M+ ARR - Regions: US - Profile: https://b2bagent.tech/funding/lenders/element - Website: https://elementsaas.com - Note: Term debt for bootstrapped and lightly funded SaaS. ## Every Venture debt site A term loan to VC-backed companies, sized off your last equity round. The sites are: Hercules Capital, TriplePoint Capital, Trinity Capital, Runway Growth Capital, Horizon Technology Finance, Western Technology Investment, Partners for Growth, Claret Capital Partners, Columbia Lake Partners. ### Hercules Capital — Venture debt Hercules Capital is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $5M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $5M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/hercules - Website: https://www.htgc.com - Note: Largest venture lender; typical borrower is $20M+ ARR. ### TriplePoint Capital — Venture debt TriplePoint Capital is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $3M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $3M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/triplepoint - Website: https://www.triplepointcapital.com - Note: Earlier-stage focus than Hercules; $3–50M facilities. ### Trinity Capital — Venture debt & equipment Trinity Capital is a Venture debt site. The product is Venture debt & equipment. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $2M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $2M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/trinity - Website: https://trinitycap.com - Note: Term loans and equipment financing for venture-backed companies. ### Runway Growth Capital — Growth-stage debt Runway Growth Capital is a Venture debt site. The product is Growth-stage debt. Cash typically arrives in about 2 months. Requirements: Minimum raise $10M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Minimum raise $10M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/runway-growth - Website: https://www.runwaygrowth.com - Note: $10–100M checks for later-stage companies; lighter warrants. ### Horizon Technology Finance — Venture debt Horizon Technology Finance is a Venture debt site. The product is Venture debt. Cash typically arrives in about 6 weeks. Requirements: Minimum raise $1M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Minimum raise $1M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/horizon - Website: https://www.horizontechfinance.com - Note: Venture lending to tech and life-science companies. ### Western Technology Investment — Venture debt Western Technology Investment is a Venture debt site. The product is Venture debt. Cash typically arrives in about 4 weeks. Requirements: Minimum raise $1M, Institutional VC backing. Available in US. - Funding type: Venture debt - Time to cash: About 4 weeks - Requirements: Minimum raise $1M, Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wti - Website: https://www.westerntech.com - Note: Long-running venture lender to early and growth-stage startups. ### Partners for Growth — Venture & growth debt Partners for Growth is a Venture debt site. The product is Venture & growth debt. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, Global. - Funding type: Venture debt - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/pfg - Website: https://www.pfgrowth.com - Note: Flexible growth debt, including for less conventional borrowers. ### Claret Capital Partners — Growth debt Claret Capital Partners is a Venture debt site. The product is Growth debt. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in UK, EU. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: UK, EU - Profile: https://b2bagent.tech/funding/lenders/claret - Website: https://www.claret-capital.com - Note: European venture and growth debt. ### Columbia Lake Partners — Growth debt Columbia Lake Partners is a Venture debt site. The product is Growth debt. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in UK, EU. - Funding type: Venture debt - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: UK, EU - Profile: https://b2bagent.tech/funding/lenders/columbia-lake - Website: https://clpgrowth.com - Note: European growth debt for venture-backed tech. ## Every Venture banks site Bank term loans and revolving lines for VC-backed companies that bank with them. The sites are: First Citizens (SVB), HSBC Innovation Banking, Bridge Bank, J.P. Morgan, Stifel Venture Banking, Banc of California. ### First Citizens (SVB) — Venture banking First Citizens (SVB) is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/first-citizens - Website: https://www.svb.com - Note: Rebuilt Silicon Valley Bank. Prime-based pricing; expects operating deposits. ### HSBC Innovation Banking — Venture banking HSBC Innovation Banking is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/hsbc-innovation - Website: https://www.hsbcinnovationbanking.com - Note: Formerly SVB UK; venture debt and lines for VC-backed companies. ### Bridge Bank — Technology banking (Western Alliance) Bridge Bank is a Venture banks site. The product is Technology banking (Western Alliance). Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bridge-bank - Website: https://www.bridgebank.com - Note: Venture and growth-stage lending with deposit relationship. ### J.P. Morgan — Innovation Economy banking J.P. Morgan is a Venture banks site. The product is Innovation Economy banking. Cash typically arrives in about 2 months. Requirements: Institutional VC backing. Available in US, UK. - Funding type: Venture banks - Time to cash: About 2 months - Requirements: Institutional VC backing - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/jpm-ie - Website: https://www.jpmorgan.com/commercial-banking/startups - Note: Venture debt and banking for VC-backed startups. ### Stifel Venture Banking — Venture banking Stifel Venture Banking is a Venture banks site. The product is Venture banking. Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/stifel - Website: https://www.stifel.com - Note: Venture loans and credit lines alongside banking services. ### Banc of California — Venture banking (formerly PacWest) Banc of California is a Venture banks site. The product is Venture banking (formerly PacWest). Cash typically arrives in about 6 weeks. Requirements: Institutional VC backing. Available in US. - Funding type: Venture banks - Time to cash: About 6 weeks - Requirements: Institutional VC backing - Regions: US - Profile: https://b2bagent.tech/funding/lenders/banc-ca - Website: https://www.bancofcal.com - Note: Venture banking group from the PacWest merger. ## Every SBA & small-business bank loans site Government-guaranteed bank loans with long terms and fixed monthly payments. The sites are: SBA 7(a) loan, SBA Express, Live Oak Bank. ### SBA 7(a) loan — Via participating banks SBA 7(a) loan is a SBA & small-business bank loans site. The product is Via participating banks. Cash typically arrives in about 2 months. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 2 months - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sba-7a - Website: https://www.sba.gov/funding-programs/loans/7a-loans - Note: up to $5M, up to 10 years for working capital. ### SBA Express — Via participating banks SBA Express is a SBA & small-business bank loans site. The product is Via participating banks. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sba-express - Website: https://www.sba.gov/funding-programs/loans/7a-loans - Note: Faster SBA decision, up to $500K. ### Live Oak Bank — SBA & small-business loans Live Oak Bank is a SBA & small-business bank loans site. The product is SBA & small-business loans. Cash typically arrives in about 6 weeks. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: SBA & small-business bank loans - Time to cash: About 6 weeks - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/live-oak - Website: https://www.liveoakbank.com - Note: Top SBA lender with a software and tech lending group. ## Every Traditional bank loans & lines site Business lines of credit and term loans from national banks, community banks, and credit unions, priced off the Prime rate. The sites are: Wells Fargo, Chase, Bank of America, U.S. Bank, Credit unions & community banks. ### Wells Fargo — Small-business lines & term loans Wells Fargo is a Traditional bank loans & lines site. The product is Small-business lines & term loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wells-fargo - Website: https://www.wellsfargo.com/biz/ - Note: Secured and unsecured business credit lines and term loans for established businesses. Rates not published; Prime-based. ### Chase — Business lines of credit & term loans Chase is a Traditional bank loans & lines site. The product is Business lines of credit & term loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/chase-business - Website: https://www.chase.com/business - Note: Chase's small-business lending, separate from J.P. Morgan's venture-focused Innovation Economy group. Rates not published; Prime-based. ### Bank of America — Small-business credit lines & loans Bank of America is a Traditional bank loans & lines site. The product is Small-business credit lines & loans. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bofa - Website: https://www.bankofamerica.com/smallbusiness/ - Note: Secured and unsecured lines and term loans; relationship and deposit history help. Rates not published; Prime-based. ### U.S. Bank — Small-business loans & lines U.S. Bank is a Traditional bank loans & lines site. The product is Small-business loans & lines. Cash typically arrives in about 4 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 4 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/us-bank - Website: https://www.usbank.com/business-banking.html - Note: Business lines, term loans, and SBA lending for established businesses. Rates not published; Prime-based. ### Credit unions & community banks — Local business loans & lines Credit unions & community banks is a Traditional bank loans & lines site. The product is Local business loans & lines. Cash typically arrives in about 6 weeks. Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable. Available in US. - Funding type: Traditional bank loans & lines - Time to cash: About 6 weeks - Requirements: Existing revenue, Personal guarantee, Usually 2+ years in business and profitable - Regions: US - Profile: https://b2bagent.tech/funding/lenders/credit-union - Note: Often the most flexible bank option for small, local businesses; terms vary widely by institution. ## Every Online lines of credit & term loans site Fast, algorithmic small-business credit lines and short term loans. The sites are: Fundbox, Bluevine, OnDeck. ### Fundbox — Line of credit Fundbox is a Online lines of credit & term loans site. The product is Line of credit. Cash typically arrives in about 1 day. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 1 day - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/fundbox - Website: https://fundbox.com - Note: Weekly repayments over 12 or 24 weeks. ### Bluevine — Line of credit Bluevine is a Online lines of credit & term loans site. The product is Line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 2 days - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/bluevine - Website: https://www.bluevine.com ### OnDeck — Term loan & line of credit OnDeck is a Online lines of credit & term loans site. The product is Term loan & line of credit. Cash typically arrives in about 2 days. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Online lines of credit & term loans - Time to cash: About 2 days - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ondeck - Website: https://www.ondeck.com - Note: Fast small-business loans; high APRs. ## Every Invoice factoring & AR financing site Sell or borrow against unpaid invoices; the funder is repaid when your customer pays. The sites are: altLINE, eCapital, Triumph, Riviera Finance. ### altLINE — Invoice factoring (The Southern Bank) altLINE is a Invoice factoring & AR financing site. The product is Invoice factoring (The Southern Bank). Cash typically arrives in about 5 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 5 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/altline - Website: https://altline.sobanco.com - Note: Bank-backed factoring; ### eCapital — Factoring & ABL eCapital is a Invoice factoring & AR financing site. The product is Factoring & ABL. Cash typically arrives in about 3 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US, UK. - Funding type: Invoice factoring & AR financing - Time to cash: About 3 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US, UK - Profile: https://b2bagent.tech/funding/lenders/ecapital - Website: https://ecapital.com - Note: Invoice factoring and asset-based lines. ### Triumph — Invoice factoring (TBK) Triumph is a Invoice factoring & AR financing site. The product is Invoice factoring (TBK). Cash typically arrives in about 3 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 3 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/triumph - Website: https://www.tbkbank.com - Note: Bank-owned factoring; strongest in transportation. ### Riviera Finance — Invoice factoring Riviera Finance is a Invoice factoring & AR financing site. The product is Invoice factoring. Cash typically arrives in about 5 days. Requirements: Existing revenue, Unpaid B2B invoices. Available in US. - Funding type: Invoice factoring & AR financing - Time to cash: About 5 days - Requirements: Existing revenue, Unpaid B2B invoices - Regions: US - Profile: https://b2bagent.tech/funding/lenders/riviera - Website: https://www.rivierafinance.com - Note: Non-recourse factoring for B2B invoices. ## Every Embedded & processor capital site Payment platforms advance cash against your sales and take a cut of each payout. The sites are: Stripe Capital, Shopify Capital, Square Loans, PayPal, Parafin, Pipe, Wayflyer. ### Stripe Capital — Merchant financing Stripe Capital is a Embedded & processor capital site. The product is Merchant financing. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/stripe-capital - Website: https://stripe.com/capital - Note: Offered to Stripe users; ### Shopify Capital — Merchant cash advance & loans Shopify Capital is a Embedded & processor capital site. The product is Merchant cash advance & loans. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/shopify-capital - Website: https://www.shopify.com/capital - Note: Offered to Shopify merchants; repaid from sales. ### Square Loans — Merchant loans Square Loans is a Embedded & processor capital site. The product is Merchant loans. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/square-loans - Website: https://squareup.com/us/en/loans - Note: Offered to Square sellers; repaid from card sales. ### PayPal — Working Capital PayPal is a Embedded & processor capital site. The product is Working Capital. Cash typically arrives in about 1 day. Requirements: Existing revenue, Revenue collected through their platform. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 1 day - Requirements: Existing revenue, Revenue collected through their platform - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/paypal-wc - Website: https://www.paypal.com/workingcapital ### Parafin — Embedded capital via platforms Parafin is a Embedded & processor capital site. The product is Embedded capital via platforms. Cash typically arrives in about 2 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 2 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/parafin - Website: https://www.parafin.com - Note: Powers capital offers inside marketplaces and vertical SaaS platforms. ### Pipe — Capital via embedded partners Pipe is a Embedded & processor capital site. The product is Capital via embedded partners. Cash typically arrives in about 3 days. Requirements: Existing revenue, Revenue collected through their platform. Available in US. - Funding type: Embedded & processor capital - Time to cash: About 3 days - Requirements: Existing revenue, Revenue collected through their platform - Regions: US - Profile: https://b2bagent.tech/funding/lenders/pipe - Website: https://pipe.com - Note: Pivoted from trading SaaS contracts to revenue-based capital offered through partner platforms. ### Wayflyer — Revenue-based financing (ecommerce) Wayflyer is a Embedded & processor capital site. The product is Revenue-based financing (ecommerce). Cash typically arrives in about 3 days. Requirements: Existing revenue. Available in US, UK, EU. - Funding type: Embedded & processor capital - Time to cash: About 3 days - Requirements: Existing revenue - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/wayflyer - Website: https://wayflyer.com - Note: Ecommerce-focused revenue-based advances. ## Every Capital marketplaces site One application routed to many lenders; you pick from the offers. The sites are: Arc, Lendio. ### Arc — Capital marketplace Arc is a Capital marketplaces site. The product is Capital marketplace. Cash typically arrives in about 2 weeks. Requirements: Existing revenue. Available in US. - Funding type: Capital marketplaces - Time to cash: About 2 weeks - Requirements: Existing revenue - Regions: US - Profile: https://b2bagent.tech/funding/lenders/arc - Website: https://www.arc.tech - Note: Routes founders to third-party lenders since 2024; finder's fee not public. ### Lendio — Small-business loan marketplace Lendio is a Capital marketplaces site. The product is Small-business loan marketplace. Cash typically arrives in about 1 week. Requirements: Existing revenue, Personal guarantee. Available in US. - Funding type: Capital marketplaces - Time to cash: About 1 week - Requirements: Existing revenue, Personal guarantee - Regions: US - Profile: https://b2bagent.tech/funding/lenders/lendio - Website: https://www.lendio.com - Note: Matches small businesses with SBA, online, and bank lenders. ## Every Corporate cards (spend float) site Charge cards give 30–60 days of float on spend before the statement is due. The sites are: Brex, Ramp, American Express. ### Brex — Corporate card Brex is a Corporate cards (spend float) site. The product is Corporate card. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, Global. - Funding type: Corporate cards (spend float) - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/brex - Website: https://www.brex.com - Note: Charge card; limits based on cash balance and spend. Pay in full monthly. ### Ramp — Corporate card Ramp is a Corporate cards (spend float) site. The product is Corporate card. Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US. - Funding type: Corporate cards (spend float) - Time to cash: About 3 days - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/ramp - Website: https://ramp.com - Note: Charge card with spend controls; pay in full. ### American Express — Business cards American Express is a Corporate cards (spend float) site. The product is Business cards. Cash typically arrives in about 1 week. Requirements: Personal guarantee. Available in US, UK, EU. - Funding type: Corporate cards (spend float) - Time to cash: About 1 week - Requirements: Personal guarantee - Regions: US, UK, EU - Profile: https://b2bagent.tech/funding/lenders/amex - Website: https://www.americanexpress.com - Note: Charge and credit cards; pay-over-time features carry credit-card APRs. ## Every Customer-funded site Customers pay upfront (annual or multi-year) in exchange for a discount. The sites are: Annual upfront billing, Multi-year prepay, Paid pilots & design partners. ### Annual upfront billing — Discount for paying a year upfront Annual upfront billing is a Customer-funded site. The product is Discount for paying a year upfront. Cash typically arrives in about 4 weeks. Requirements: Existing revenue. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 4 weeks - Requirements: Existing revenue - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/annual-prepay - Note: Offer a discount for annual prepayment instead of monthly billing. ### Multi-year prepay — Discount for 2–3 years upfront Multi-year prepay is a Customer-funded site. The product is Discount for 2–3 years upfront. Cash typically arrives in about 2 months. Requirements: Existing revenue. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 2 months - Requirements: Existing revenue - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/multi-year - Note: Larger discount for multi-year cash upfront; best with sticky enterprise buyers. ### Paid pilots & design partners — Upfront pilot fees Paid pilots & design partners is a Customer-funded site. The product is Upfront pilot fees. Cash typically arrives in about 6 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Customer-funded - Time to cash: About 6 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/design-partner - Note: Pre-revenue: customers pay for early access, usually at a steep discount. ## Every Equity investors site Sell a share of the company for cash; nothing to repay. The sites are: Friends & family, Angel investors, Seed VC, Series A VC. ### Friends & family — Early equity or SAFEs Friends & family is a Equity investors site. The product is Early equity or SAFEs. Cash typically arrives in about 4 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 4 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/friends-family - Note: Fast and flexible; keep terms standard (post-money SAFE). ### Angel investors — SAFEs / priced seed Angel investors is a Equity investors site. The product is SAFEs / priced seed. Cash typically arrives in about 6 weeks. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 6 weeks - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/angels - Note: Individual investors, typically $25K–$250K checks. ### Seed VC — Priced seed or SAFE round Seed VC is a Equity investors site. The product is Priced seed or SAFE round. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/seed-vc ### Series A VC — Priced round Series A VC is a Equity investors site. The product is Priced round. Cash typically arrives in about 4 months. Requirements: $1M+ ARR. Available in US, UK, EU, Global. - Funding type: Equity investors - Time to cash: About 4 months - Requirements: $1M+ ARR - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/series-a - Note: Usually expects $1M+ ARR and strong growth. ## Every Equity crowdfunding site Raise from many small investors online (US Reg CF, up to $5M per year). The sites are: Wefunder, Republic, StartEngine. ### Wefunder — Reg CF crowdfunding Wefunder is a Equity crowdfunding site. The product is Reg CF crowdfunding. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/wefunder - Website: https://wefunder.com - Note: Platform fee on funds raised; investors from your community. ### Republic — Reg CF crowdfunding Republic is a Equity crowdfunding site. The product is Reg CF crowdfunding. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/republic - Website: https://republic.com - Note: Cash fee plus a small equity fee on the raise. ### StartEngine — Reg CF / Reg A+ StartEngine is a Equity crowdfunding site. The product is Reg CF / Reg A+. Cash typically arrives in about 2 months. Requirements: No hard minimums listed. Available in US. - Funding type: Equity crowdfunding - Time to cash: About 2 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/startengine - Website: https://www.startengine.com - Note: Crowdfunding with Reg A+ for larger raises. ## Every Accelerators site Fixed investment for a fixed stake plus a program and investor network. The sites are: Y Combinator, Techstars. ### Y Combinator — Standard deal Y Combinator is a Accelerators site. The product is Standard deal. Cash typically arrives in about 3 months. Requirements: No hard minimums listed. Available in US, Global. - Funding type: Accelerators - Time to cash: About 3 months - Requirements: No hard minimums listed - Regions: US, Global - Profile: https://b2bagent.tech/funding/lenders/yc - Website: https://www.ycombinator.com/deal ### Techstars — Accelerator investment Techstars is a Accelerators site. The product is Accelerator investment. Cash typically arrives in about 3 months. Requirements: No hard minimums listed. Available in US, UK, EU, Global. - Funding type: Accelerators - Time to cash: About 3 months - Requirements: No hard minimums listed - Regions: US, UK, EU, Global - Profile: https://b2bagent.tech/funding/lenders/techstars - Website: https://www.techstars.com/newsroom/investment-terms ## Every Grants & tax credits site Non-repayable government funding or credits for R&D. The sites are: SBIR/STTR Phase I, SBIR/STTR Phase II, R&D tax credit, EIC Accelerator. ### SBIR/STTR Phase I — US federal R&D grant SBIR/STTR Phase I is a Grants & tax credits site. The product is US federal R&D grant. Cash typically arrives in about 5 months. Requirements: No hard minimums listed. Available in US. - Funding type: Grants & tax credits - Time to cash: About 5 months - Requirements: No hard minimums listed - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sbir1 - Website: https://www.sbir.gov - Note: 2026 cap $314,363 over 6–12 months; agency-specific topics. ### SBIR/STTR Phase II — US federal R&D grant SBIR/STTR Phase II is a Grants & tax credits site. The product is US federal R&D grant. Cash typically arrives in about 6 months. Requirements: Usually requires a Phase I award. Available in US. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: Usually requires a Phase I award - Regions: US - Profile: https://b2bagent.tech/funding/lenders/sbir2 - Website: https://www.sbir.gov - Note: $750K–$2M over about 24 months. ### R&D tax credit — Payroll tax offset R&D tax credit is a Grants & tax credits site. The product is Payroll tax offset. Cash typically arrives in about 6 months. Requirements: Needs qualifying R&D spend. Available in US. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: Needs qualifying R&D spend - Regions: US - Profile: https://b2bagent.tech/funding/lenders/rd-credit - Website: https://www.irs.gov/businesses/research-credit - Note: Startups under $5M receipts can offset up to $500K/yr of payroll tax. ### EIC Accelerator — EU grant + optional equity EIC Accelerator is a Grants & tax credits site. The product is EU grant + optional equity. Cash typically arrives in about 6 months. Requirements: No hard minimums listed. Available in EU. - Funding type: Grants & tax credits - Time to cash: About 6 months - Requirements: No hard minimums listed - Regions: EU - Profile: https://b2bagent.tech/funding/lenders/eic - Website: https://eic.ec.europa.eu - Note: Grant up to €2.5M, with optional EIC Fund equity on top.