Key differences
- TIMIA Capital is open to smaller companies ($1M+ ARR vs $3M+).
- Flow Capital involves dilution (small (warrants)).
Side by side
| Flow Capital | TIMIA Capital | |
|---|---|---|
| Product | Growth debt (no VC needed) | 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 4 weeks | About 4 weeks |
| Typical size | Up to about 40% of ARR | Up to about 40% of ARR |
| Term | 24–60 months | 24–72 months |
| Requirements | $3M+ ARR | $1M+ ARR |
| Regions | US | US |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | Future revenue | Future revenue |
| How you repay | Fixed monthly | % of revenue |
| Dilution | Small (warrants) | None |
Flow Capital
Founder-friendly venture debt alternative for companies without institutional VCs.
Flow Capital vs TIMIA Capital FAQ
What is the difference between Flow Capital and TIMIA Capital?
TIMIA Capital is open to smaller companies ($1M+ ARR vs $3M+). Flow Capital involves dilution (small (warrants)).
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
Founderpath vs Flow CapitalCapchase vs Flow CapitalLighter Capital vs Flow CapitalEfficient Capital Labs vs Flow CapitalClearco vs Flow CapitalBigfoot Capital vs Flow CapitalFlow Capital vs Decathlon CapitalFounderpath vs TIMIA CapitalCapchase vs TIMIA CapitalLighter Capital vs TIMIA CapitalEfficient Capital Labs vs TIMIA CapitalClearco vs TIMIA Capital
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.