Key facts
| Product | Revenue-based financing |
| 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 3 weeks |
| Typical size | Up to about 33% of ARR |
| Term | 36–60 months |
| Requirements | $500K+ ARR |
| Regions | US |
| What they underwrite | Your recurring revenue |
| Collateral | Future revenue |
| How you repay | % of revenue |
| Dilution | None |
The estimated rate for Lighter Capital, as of today, is shown to approved members. Sign in to see it.
Lighter Capital pros and cons
- Publishes its pricing
- Non-dilutive: no equity or warrants
- Needs $500K+ ARR
- US only
Recurring-revenue companies that want growth capital without dilution.
Needs predictable revenue. Short terms raise the effective annual rate.
Lighter Capital alternatives
Other revenue-based financing providers, fastest first. All Lighter Capital alternatives.
| 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 → |
| Bigfoot Capital Term loan + RBF |
Rates shown to approved members | About 3 weeks | $500K+ ARR | Compare → |
| Flow Capital Growth debt (no VC needed) |
Rates shown to approved members | About 4 weeks | $3M+ ARR | Compare → |
Compare Lighter Capital
Lighter Capital FAQ
How much does Lighter Capital cost?
The estimated rate for Lighter Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Lighter Capital's underwriting.
How fast does Lighter Capital fund?
About 3 weeks from application to cash, based on typical timelines.
What are Lighter Capital's requirements?
$500K+ ARR. Available in US.
How much can you get from Lighter Capital?
Up to about 33% of ARR. Terms run 36–60 months.
Does Lighter Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for Lighter Capital.
What are the best alternatives to Lighter 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.
Lighter Capital won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at Lighter Capital? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is Lighter Capital your best option?
Price Lighter 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.