Key facts
| Product | Growth debt (no VC needed) |
| Funding type | Revenue-based financing |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 4 weeks |
| Typical size | Up to about 40% of ARR |
| Term | 24–60 months |
| Requirements | $3M+ ARR |
| Regions | US |
| What they underwrite | Your recurring revenue |
| Collateral | Future revenue |
| How you repay | Fixed monthly |
| Dilution | Small (warrants) |
The estimated rate for Flow Capital, as of today, is shown to approved members. Sign in to see it.
Flow Capital pros and cons
- None stand out on our data
- Pricing isn't public
- Takes warrants (small dilution)
- Needs $3M+ ARR
- US only
Recurring-revenue companies that want growth capital without dilution.
Needs predictable revenue. Short terms raise the effective annual rate.
Flow Capital alternatives
Other revenue-based financing providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Founderpath Revenue purchase / term loan |
Rates shown to approved members | About 1 day | $120K+ ARR | Compare → |
| Capchase Capchase Grow |
Rates shown to approved members | About 3 days | $1M+ ARR | Compare → |
| Efficient Capital Labs Cross-border advance |
Rates shown to approved members | About 3 days | Existing revenue | Compare → |
| Clearco Invoice & cash advance |
Rates shown to approved members | About 3 days | $120K+ ARR | Compare → |
| Lighter Capital Revenue-based financing |
Rates shown to approved members | About 3 weeks | $500K+ ARR | Compare → |
| Bigfoot Capital Term loan + RBF |
Rates shown to approved members | About 3 weeks | $500K+ ARR | Compare → |
Compare Flow Capital
Flow Capital FAQ
How much does Flow Capital cost?
The estimated rate for Flow Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Flow Capital's underwriting.
How fast does Flow Capital fund?
About 4 weeks from application to cash, based on typical timelines.
What are Flow Capital's requirements?
$3M+ ARR. Available in US.
How much can you get from Flow Capital?
Up to about 40% of ARR. Terms run 24–60 months.
Does Flow Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for Flow Capital.
What are the best alternatives to Flow Capital?
Other revenue-based financing providers include Founderpath (about 1 day); Capchase (about 3 days); Efficient Capital Labs (about 3 days). Compare all 9 side by side on B2B Agent.
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Is Flow Capital your best option?
Price Flow Capital 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.