Answer
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.
Updated October 2026. Plain-text copy for agents: blog.txt.
Sites named in this post
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.
Embedded in CRM/CPQ with proposals and e-sign. Risk-based pricing; the seller chooses whether buyer, seller, or both carry the fee.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 2 days
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Ratio on B2B Agent
- Website
- https://www.ratiotech.com
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.
Acquired Vartana (vendor financing) in 2025.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 3 days
- Requirements
- No hard minimums listed
- Regions
- US, EU
- Profile
- Capchase on B2B Agent
- Website
- https://www.capchase.com
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.
Buyer-led tech-spend financing; vendor paid next business day. Net 30/60/90 or 3–12 month plans. Pricing not public.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Gynger on B2B Agent
- Website
- https://www.gynger.io
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.
Works for goods and services, not just SaaS.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Slope on B2B Agent
- Website
- https://slope.so
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.
Real-time approvals up to about €1M per buyer; EMI-licensed across the EEA.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- EU, UK
- Profile
- Mondu on B2B Agent
- Website
- https://www.mondu.ai
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.
UK B2B pay-later; acquired by Allica Bank in 2025.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- UK
- Profile
- Kriya on B2B Agent
- Website
- https://www.kriya.co
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.
UK SMB pay-later, instant approvals up to about £30K.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- UK
- Profile
- iwocaPay on B2B Agent
- Website
- https://www.iwoca.co.uk/iwocapay-buyer-pay-later
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.
Also offers AR financing.
- Funding type
- Net terms & trade credit
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Resolve on B2B Agent
- Website
- https://resolvepay.com
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.
API-first B2B checkout with net terms for marketplaces and SaaS.
- Funding type
- Net terms & trade credit
- Time to cash
- About 2 days
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Balance on B2B Agent
- Website
- https://www.getbalance.com
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.
Managed trade-credit programs for enterprise B2B sellers; non-recourse.
- Funding type
- Net terms & trade credit
- Time to cash
- About 3 days
- Requirements
- No hard minimums listed
- Regions
- US, UK, EU
- Profile
- TreviPay on B2B Agent
- Website
- https://www.trevipay.com
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.
Real-time decisioning, backed by Santander CIB and Allianz Trade for large programs.
- Funding type
- Net terms & trade credit
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- UK, EU, US
- Profile
- Two on B2B Agent
- Website
- https://www.two.inc
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.
Live in the UK and 11 European markets, including via Adyen.
- Funding type
- Net terms & trade credit
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- EU, UK
- Profile
- Billie on B2B Agent
- Website
- https://www.billie.io
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.
Credit-insurer-backed B2B payment terms.
- Funding type
- Net terms & trade credit
- Time to cash
- About 2 days
- Requirements
- No hard minimums listed
- Regions
- EU, UK
- Profile
- Allianz Trade Pay on B2B Agent
- Website
- https://www.allianz-trade.com
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.
Up to ~4x MRR, no personal guarantee.
- Funding type
- Revenue-based financing
- Time to cash
- About 1 day
- Requirements
- $120K+ ARR
- Regions
- US, Global
- Profile
- Founderpath on B2B Agent
- Website
- https://founderpath.com
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.
Sources differ on minimum ARR; runway covenant reported.
- Funding type
- Revenue-based financing
- Time to cash
- About 3 days
- Requirements
- $1M+ ARR
- Regions
- US, EU
- Profile
- Capchase on B2B Agent
- Website
- https://www.capchase.com
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.
Repay 1.3–1.5x the amount via a share of monthly revenue; ~3–4 weeks to fund.
- Funding type
- Revenue-based financing
- Time to cash
- About 3 weeks
- Requirements
- $500K+ ARR
- Regions
- US
- Profile
- Lighter Capital on B2B Agent
- Website
- https://www.lightercapital.com
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.
SaaS with a US or India entity; 12-month standard term.
- Funding type
- Revenue-based financing
- Time to cash
- About 3 days
- Requirements
- Existing revenue
- Regions
- US, Global
- Profile
- Efficient Capital Labs on B2B Agent
- Website
- https://www.ecaplabs.com
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.
Ecommerce-first, expanding to SaaS.
- Funding type
- Revenue-based financing
- Time to cash
- About 3 days
- Requirements
- $120K+ ARR
- Regions
- US, UK
- Profile
- Clearco on B2B Agent
- Website
- https://clear.co
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.
SaaS lender for early-revenue companies; term loans and revenue-based structures.
- Funding type
- Revenue-based financing
- Time to cash
- About 3 weeks
- Requirements
- $500K+ ARR
- Regions
- US
- Profile
- Bigfoot Capital on B2B Agent
- Website
- https://www.bigfootcap.com
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.
Founder-friendly venture debt alternative for companies without institutional VCs.
- Funding type
- Revenue-based financing
- Time to cash
- About 4 weeks
- Requirements
- $3M+ ARR
- Regions
- US
- Profile
- Flow Capital on B2B Agent
- Website
- https://www.flowcap.com
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.
RBF for B2B SaaS with 2–6 year terms.
- Funding type
- Revenue-based financing
- Time to cash
- About 4 weeks
- Requirements
- $1M+ ARR
- Regions
- US
- Profile
- TIMIA Capital on B2B Agent
- Website
- https://www.timiacapital.com
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.
Larger RBF checks with payments tied to revenue.
- Funding type
- Revenue-based financing
- Time to cash
- About 4 weeks
- Requirements
- $2M+ ARR
- Regions
- US
- Profile
- Decathlon Capital on B2B Agent
- Website
- https://www.decathloncapital.com
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.
Category leader for MRR-based credit lines; covenants apply.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $3M+ ARR
- Regions
- US
- Profile
- SaaS Capital on B2B Agent
- Website
- https://www.saas-capital.com
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.
Growth credit lines for tech companies, no personal guarantee.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $2M+ ARR
- Regions
- US
- Profile
- Espresso Capital on B2B Agent
- Website
- https://espressocapital.com
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.
Term loans for $1–5M ARR SaaS.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $1M+ ARR
- Regions
- US
- Profile
- River SaaS Capital on B2B Agent
- Website
- https://riversaascapital.com
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.
Term debt for bootstrapped and lightly funded SaaS.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $1M+ ARR
- Regions
- US
- Profile
- Element SaaS Finance on B2B Agent
- Website
- https://elementsaas.com
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.
Largest venture lender; typical borrower is $20M+ ARR.
- Funding type
- Venture debt
- Time to cash
- About 6 weeks
- Requirements
- Minimum raise $5M, Institutional VC backing
- Regions
- US
- Profile
- Hercules Capital on B2B Agent
- Website
- https://www.htgc.com
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.
Earlier-stage focus than Hercules; $3–50M facilities.
- Funding type
- Venture debt
- Time to cash
- About 6 weeks
- Requirements
- Minimum raise $3M, Institutional VC backing
- Regions
- US
- Profile
- TriplePoint Capital on B2B Agent
- Website
- https://www.triplepointcapital.com
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.
Term loans and equipment financing for venture-backed companies.
- Funding type
- Venture debt
- Time to cash
- About 6 weeks
- Requirements
- Minimum raise $2M, Institutional VC backing
- Regions
- US
- Profile
- Trinity Capital on B2B Agent
- Website
- https://trinitycap.com
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.
$10–100M checks for later-stage companies; lighter warrants.
- Funding type
- Venture debt
- Time to cash
- About 2 months
- Requirements
- Minimum raise $10M, Institutional VC backing
- Regions
- US
- Profile
- Runway Growth Capital on B2B Agent
- Website
- https://www.runwaygrowth.com
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.
Venture lending to tech and life-science companies.
- Funding type
- Venture debt
- Time to cash
- About 6 weeks
- Requirements
- Minimum raise $1M, Institutional VC backing
- Regions
- US
- Profile
- Horizon Technology Finance on B2B Agent
- Website
- https://www.horizontechfinance.com
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.
Long-running venture lender to early and growth-stage startups.
- Funding type
- Venture debt
- Time to cash
- About 4 weeks
- Requirements
- Minimum raise $1M, Institutional VC backing
- Regions
- US
- Profile
- Western Technology Investment on B2B Agent
- Website
- https://www.westerntech.com
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.
Flexible growth debt, including for less conventional borrowers.
- Funding type
- Venture debt
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US, Global
- Profile
- Partners for Growth on B2B Agent
- Website
- https://www.pfgrowth.com
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.
European venture and growth debt.
- Funding type
- Venture debt
- Time to cash
- About 2 months
- Requirements
- Institutional VC backing
- Regions
- UK, EU
- Profile
- Claret Capital Partners on B2B Agent
- Website
- https://www.claret-capital.com
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.
European growth debt for venture-backed tech.
- Funding type
- Venture debt
- Time to cash
- About 2 months
- Requirements
- Institutional VC backing
- Regions
- UK, EU
- Profile
- Columbia Lake Partners on B2B Agent
- Website
- https://clpgrowth.com
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.
Rebuilt Silicon Valley Bank. Prime-based pricing; expects operating deposits.
- Funding type
- Venture banks
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US, UK
- Profile
- First Citizens (SVB) on B2B Agent
- Website
- https://www.svb.com
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.
Formerly SVB UK; venture debt and lines for VC-backed companies.
- Funding type
- Venture banks
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US, UK
- Profile
- HSBC Innovation Banking on B2B Agent
- Website
- https://www.hsbcinnovationbanking.com
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.
Venture and growth-stage lending with deposit relationship.
- Funding type
- Venture banks
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US
- Profile
- Bridge Bank on B2B Agent
- Website
- https://www.bridgebank.com
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.
Venture debt and banking for VC-backed startups.
- Funding type
- Venture banks
- Time to cash
- About 2 months
- Requirements
- Institutional VC backing
- Regions
- US, UK
- Profile
- J.P. Morgan on B2B Agent
- Website
- https://www.jpmorgan.com/commercial-banking/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.
Venture loans and credit lines alongside banking services.
- Funding type
- Venture banks
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US
- Profile
- Stifel Venture Banking on B2B Agent
- Website
- https://www.stifel.com
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.
Venture banking group from the PacWest merger.
- Funding type
- Venture banks
- Time to cash
- About 6 weeks
- Requirements
- Institutional VC backing
- Regions
- US
- Profile
- Banc of California on B2B Agent
- Website
- https://www.bancofcal.com
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.
up to $5M, up to 10 years for working capital.
- Funding type
- SBA & small-business bank loans
- Time to cash
- About 2 months
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- SBA 7(a) loan on B2B Agent
- Website
- https://www.sba.gov/funding-programs/loans/7a-loans
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.
Faster SBA decision, up to $500K.
- Funding type
- SBA & small-business bank loans
- Time to cash
- About 4 weeks
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- SBA Express on B2B Agent
- Website
- https://www.sba.gov/funding-programs/loans/7a-loans
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.
Top SBA lender with a software and tech lending group.
- Funding type
- SBA & small-business bank loans
- Time to cash
- About 6 weeks
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- Live Oak Bank on B2B Agent
- Website
- https://www.liveoakbank.com
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.
Secured and unsecured business credit lines and term loans for established businesses. Rates not published; Prime-based.
- 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
- Wells Fargo on B2B Agent
- Website
- https://www.wellsfargo.com/biz/
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.
Chase's small-business lending, separate from J.P. Morgan's venture-focused Innovation Economy group. Rates not published; Prime-based.
- 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
- Chase on B2B Agent
- Website
- https://www.chase.com/business
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.
Secured and unsecured lines and term loans; relationship and deposit history help. Rates not published; Prime-based.
- 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
- Bank of America on B2B Agent
- Website
- https://www.bankofamerica.com/smallbusiness/
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.
Business lines, term loans, and SBA lending for established businesses. Rates not published; Prime-based.
- 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
- U.S. Bank on B2B Agent
- Website
- https://www.usbank.com/business-banking.html
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.
Often the most flexible bank option for small, local businesses; terms vary widely by institution.
- 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
- Credit unions & community banks on B2B Agent
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.
Weekly repayments over 12 or 24 weeks.
- Funding type
- Online lines of credit & term loans
- Time to cash
- About 1 day
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- Fundbox on B2B Agent
- Website
- https://fundbox.com
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
- Bluevine on B2B Agent
- 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.
Fast small-business loans; high APRs.
- Funding type
- Online lines of credit & term loans
- Time to cash
- About 2 days
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- OnDeck on B2B Agent
- Website
- https://www.ondeck.com
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.
Bank-backed factoring;
- Funding type
- Invoice factoring & AR financing
- Time to cash
- About 5 days
- Requirements
- Existing revenue, Unpaid B2B invoices
- Regions
- US
- Profile
- altLINE on B2B Agent
- Website
- https://altline.sobanco.com
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.
Invoice factoring and asset-based lines.
- Funding type
- Invoice factoring & AR financing
- Time to cash
- About 3 days
- Requirements
- Existing revenue, Unpaid B2B invoices
- Regions
- US, UK
- Profile
- eCapital on B2B Agent
- Website
- https://ecapital.com
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.
Bank-owned factoring; strongest in transportation.
- Funding type
- Invoice factoring & AR financing
- Time to cash
- About 3 days
- Requirements
- Existing revenue, Unpaid B2B invoices
- Regions
- US
- Profile
- Triumph on B2B Agent
- Website
- https://www.tbkbank.com
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.
Non-recourse factoring for B2B invoices.
- Funding type
- Invoice factoring & AR financing
- Time to cash
- About 5 days
- Requirements
- Existing revenue, Unpaid B2B invoices
- Regions
- US
- Profile
- Riviera Finance on B2B Agent
- Website
- https://www.rivierafinance.com
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.
Offered to Stripe users;
- Funding type
- Embedded & processor capital
- Time to cash
- About 2 days
- Requirements
- Existing revenue, Revenue collected through their platform
- Regions
- US, UK, EU
- Profile
- Stripe Capital on B2B Agent
- Website
- https://stripe.com/capital
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.
Offered to Shopify merchants; repaid from sales.
- Funding type
- Embedded & processor capital
- Time to cash
- About 2 days
- Requirements
- Existing revenue, Revenue collected through their platform
- Regions
- US, UK, EU
- Profile
- Shopify Capital on B2B Agent
- Website
- https://www.shopify.com/capital
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.
Offered to Square sellers; repaid from card sales.
- Funding type
- Embedded & processor capital
- Time to cash
- About 2 days
- Requirements
- Existing revenue, Revenue collected through their platform
- Regions
- US
- Profile
- Square Loans on B2B Agent
- Website
- https://squareup.com/us/en/loans
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
- PayPal on B2B Agent
- 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.
Powers capital offers inside marketplaces and vertical SaaS platforms.
- Funding type
- Embedded & processor capital
- Time to cash
- About 2 days
- Requirements
- Existing revenue, Revenue collected through their platform
- Regions
- US
- Profile
- Parafin on B2B Agent
- Website
- https://www.parafin.com
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.
Pivoted from trading SaaS contracts to revenue-based capital offered through partner platforms.
- Funding type
- Embedded & processor capital
- Time to cash
- About 3 days
- Requirements
- Existing revenue, Revenue collected through their platform
- Regions
- US
- Profile
- Pipe on B2B Agent
- Website
- https://pipe.com
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.
Ecommerce-focused revenue-based advances.
- Funding type
- Embedded & processor capital
- Time to cash
- About 3 days
- Requirements
- Existing revenue
- Regions
- US, UK, EU
- Profile
- Wayflyer on B2B Agent
- Website
- https://wayflyer.com
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.
Routes founders to third-party lenders since 2024; finder's fee not public.
- Funding type
- Capital marketplaces
- Time to cash
- About 2 weeks
- Requirements
- Existing revenue
- Regions
- US
- Profile
- Arc on B2B Agent
- Website
- https://www.arc.tech
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.
Matches small businesses with SBA, online, and bank lenders.
- Funding type
- Capital marketplaces
- Time to cash
- About 1 week
- Requirements
- Existing revenue, Personal guarantee
- Regions
- US
- Profile
- Lendio on B2B Agent
- Website
- https://www.lendio.com
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.
Charge card; limits based on cash balance and spend. Pay in full monthly.
- Funding type
- Corporate cards (spend float)
- Time to cash
- About 3 days
- Requirements
- No hard minimums listed
- Regions
- US, Global
- Profile
- Brex on B2B Agent
- Website
- https://www.brex.com
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.
Charge card with spend controls; pay in full.
- Funding type
- Corporate cards (spend float)
- Time to cash
- About 3 days
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Ramp on B2B Agent
- Website
- https://ramp.com
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.
Charge and credit cards; pay-over-time features carry credit-card APRs.
- Funding type
- Corporate cards (spend float)
- Time to cash
- About 1 week
- Requirements
- Personal guarantee
- Regions
- US, UK, EU
- Profile
- American Express on B2B Agent
- Website
- https://www.americanexpress.com
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.
Offer a discount for annual prepayment instead of monthly billing.
- Funding type
- Customer-funded
- Time to cash
- About 4 weeks
- Requirements
- Existing revenue
- Regions
- US, UK, EU, Global
- Profile
- Annual upfront billing on B2B Agent
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.
Larger discount for multi-year cash upfront; best with sticky enterprise buyers.
- Funding type
- Customer-funded
- Time to cash
- About 2 months
- Requirements
- Existing revenue
- Regions
- US, UK, EU, Global
- Profile
- Multi-year prepay on B2B Agent
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.
Pre-revenue: customers pay for early access, usually at a steep discount.
- Funding type
- Customer-funded
- Time to cash
- About 6 weeks
- Requirements
- No hard minimums listed
- Regions
- US, UK, EU, Global
- Profile
- Paid pilots & design partners on B2B Agent
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.
Fast and flexible; keep terms standard (post-money SAFE).
- Funding type
- Equity investors
- Time to cash
- About 4 weeks
- Requirements
- No hard minimums listed
- Regions
- US, UK, EU, Global
- Profile
- Friends & family on B2B Agent
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.
Individual investors, typically $25K–$250K checks.
- Funding type
- Equity investors
- Time to cash
- About 6 weeks
- Requirements
- No hard minimums listed
- Regions
- US, UK, EU, Global
- Profile
- Angel investors on B2B Agent
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
- Seed VC on B2B Agent
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.
Usually expects $1M+ ARR and strong growth.
- Funding type
- Equity investors
- Time to cash
- About 4 months
- Requirements
- $1M+ ARR
- Regions
- US, UK, EU, Global
- Profile
- Series A VC on B2B Agent
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.
Platform fee on funds raised; investors from your community.
- Funding type
- Equity crowdfunding
- Time to cash
- About 2 months
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Wefunder on B2B Agent
- Website
- https://wefunder.com
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.
Cash fee plus a small equity fee on the raise.
- Funding type
- Equity crowdfunding
- Time to cash
- About 2 months
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Republic on B2B Agent
- Website
- https://republic.com
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.
Crowdfunding with Reg A+ for larger raises.
- Funding type
- Equity crowdfunding
- Time to cash
- About 2 months
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- StartEngine on B2B Agent
- Website
- https://www.startengine.com
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
- Y Combinator on B2B Agent
- 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
- Techstars on B2B Agent
- 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.
2026 cap $314,363 over 6–12 months; agency-specific topics.
- Funding type
- Grants & tax credits
- Time to cash
- About 5 months
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- SBIR/STTR Phase I on B2B Agent
- Website
- https://www.sbir.gov
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.
$750K–$2M over about 24 months.
- Funding type
- Grants & tax credits
- Time to cash
- About 6 months
- Requirements
- Usually requires a Phase I award
- Regions
- US
- Profile
- SBIR/STTR Phase II on B2B Agent
- Website
- https://www.sbir.gov
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.
Startups under $5M receipts can offset up to $500K/yr of payroll tax.
- Funding type
- Grants & tax credits
- Time to cash
- About 6 months
- Requirements
- Needs qualifying R&D spend
- Regions
- US
- Profile
- R&D tax credit on B2B Agent
- Website
- https://www.irs.gov/businesses/research-credit
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.
Grant up to €2.5M, with optional EIC Fund equity on top.
- Funding type
- Grants & tax credits
- Time to cash
- About 6 months
- Requirements
- No hard minimums listed
- Regions
- EU
- Profile
- EIC Accelerator on B2B Agent
- Website
- https://eic.ec.europa.eu