Our take on Capchase
In our B2B BNPL & buyer financing group of 7, Capchase fits closing specific deals where the buyer wants monthly or deferred payments. Pricing is shared with approved members only, so we do not publish a rate range for it. Cash typically arrives in about 3 days, slower than the group median of 1 day. The main trade-off in this group: funds deals, not your company. Fee comes out of your payout unless the buyer carries it. If that matters more, compare: Gynger is quicker at about 1 day.
Key facts
| Product | Capchase Pay (incl. Vartana) |
| Funding type | B2B BNPL & buyer financing |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 3 days |
| Typical size | Up to $5M |
| Term | 3–24 months |
| Requirements | No hard minimums listed |
| Regions | US · EU |
| What they underwrite | Your buyers |
| Collateral | Customer contract |
| How you repay | Buyer repays lender |
| Dilution | None |
The estimated rate for Capchase, as of today, is shown to approved members. Sign in to see it.
Capchase pros and cons
- Fast: about 3 days to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- None stand out on our data
Closing specific deals where the buyer wants monthly or deferred payments.
Funds deals, not your company. Fee comes out of your payout unless the buyer carries it.
Capchase alternatives
Other B2B BNPL & buyer financing providers, fastest first. All Capchase alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Gynger Gynger Pay |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Slope Net terms & embedded capital |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Mondu Net terms & instalments |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Kriya Pay later (Allica Bank) |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| iwocaPay Pay later for trade |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Ratio Ratio Boost |
Rates shown to approved members | About 2 days | No hard minimums listed | Compare → |
Compare Capchase
Capchase FAQ
How much does Capchase cost?
The estimated rate for Capchase, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Capchase's underwriting.
How fast does Capchase fund?
About 3 days from application to cash, based on typical timelines.
What are Capchase's requirements?
No hard minimums listed. Available in US, EU.
How much can you get from Capchase?
Up to $5M. Terms run 3–24 months.
What are the best alternatives to Capchase?
Other B2B BNPL & buyer financing providers include Gynger (about 1 day); Slope (about 1 day); Mondu (about 1 day). Compare all 7 side by side on B2B Agent.
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Is Capchase your best option?
Price Capchase against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
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.