Key differences
- Approved members can compare the estimated rates as of today side by side.
- Paid pilots & design partners is usually faster to fund (about 6 weeks vs about 2 months).
Side by side
| Multi-year prepay | Paid pilots & design partners | |
|---|---|---|
| Product | Discount for 2–3 years upfront | Upfront pilot fees |
| Funding type | Customer-funded | Customer-funded |
| 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 2 months | About 6 weeks |
| Typical size | Up to about 2× ARR | Up to $250K |
| Term | 24–36 months | 1–36 months |
| Requirements | Existing revenue | No hard minimums listed |
| Regions | US · UK · EU · Global | US · UK · EU · Global |
| What they underwrite | Your customers' willingness | Your customers' willingness |
| Collateral | None | None |
| How you repay | Deliver the service | Deliver the service |
| Dilution | None | None |
Multi-year prepay
Larger discount for multi-year cash upfront; best with sticky enterprise buyers.
Paid pilots & design partners
Pre-revenue: customers pay for early access, usually at a steep discount.
Multi-year prepay vs Paid pilots & design partners FAQ
What is the difference between Multi-year prepay and Paid pilots & design partners?
Approved members can compare the estimated rates as of today side by side. Paid pilots & design partners is usually faster to fund (about 6 weeks vs about 2 months).
Which is faster, Multi-year prepay or Paid pilots & design partners?
Paid pilots & design partners usually funds in about 6 weeks; Multi-year prepay takes about 2 months.
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.