Key differences
- They price differently, so compare the effective annual cost for your numbers in the calculator.
- Capchase is usually faster to fund (about 3 days vs about 3 weeks).
- Lighter Capital is open to smaller companies ($500K+ ARR vs $1M+).
- Regions: Capchase covers US, EU; Lighter Capital covers US.
Side by side
| Capchase | Lighter Capital | |
|---|---|---|
| Product | Capchase Grow | Revenue-based financing |
| Funding type | Revenue-based financing | Revenue-based financing |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 3 days | About 3 weeks |
| Typical size | Up to about 50% of ARR | Up to about 33% of ARR |
| Term | 3–24 months | 36–60 months |
| Requirements | $1M+ ARR | $500K+ ARR |
| Regions | US · EU | US |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | Future revenue | Future revenue |
| How you repay | Fixed monthly | % of revenue |
| Dilution | None | None |
Capchase
Sources differ on minimum ARR; runway covenant reported.
Lighter Capital
Repay 1.3–1.5x the amount via a share of monthly revenue; ~3–4 weeks to fund.
Capchase vs Lighter Capital FAQ
What is the difference between Capchase and Lighter Capital?
They price differently, so compare the effective annual cost for your numbers in the calculator. Capchase is usually faster to fund (about 3 days vs about 3 weeks). Lighter Capital is open to smaller companies ($500K+ ARR vs $1M+). Regions: Capchase covers US, EU; Lighter Capital covers US.
Which is faster, Capchase or Lighter Capital?
Capchase usually funds in about 3 days; Lighter Capital takes about 3 weeks.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.