A lender's actual rate depends on your business and their underwriting. Talk to us and we'll find your real pricing.
84providers across 18 funding types
59don't take equity or warrants
35can fund within a week
56have no revenue minimum or VC requirement
Key findings
- The median provider funds in about 30 days; 35 of 84 can fund within a week.
- 59 of 84 options are fully non-dilutive, so most businesses can raise without selling equity.
- 56 providers list no revenue minimum and no VC-backing requirement, which matters for early and bootstrapped companies.
- Every rate on this page is an estimate as of today, not a lender's quoted interest rate.
Cost and speed by funding type
Estimates as of today across every provider of each type. Approved members can sign in to see the cheapest provider of each type and every provider's estimated rate.
| Funding type | Providers | Typical cost | Time to cash | Dilution | Cheapest listed |
|---|---|---|---|---|---|
| B2B BNPL & buyer financing Your customers' financing |
7 | About 4–35% a year (flat fee or APR) | About 1 day to about 3 days | None | Members only |
| Net terms & trade credit Your customers' financing |
6 | About 8–40% a year (flat fee or APR) | About 1 day to about 3 days | None | Members only |
| Revenue-based financing Non-dilutive debt & advances |
9 | About 7–18% a year (flat fee or APR) plus fees and warrants for some lenders | About 1 day to about 4 weeks | None | Members only |
| SaaS term loans & credit facilities Non-dilutive debt & advances |
4 | About 11–18% a year (flat fee or APR) plus fees and warrants for some lenders | About 4 weeks | None | Members only |
| Venture debt Non-dilutive debt & advances |
9 | About 10.5–15% a year (flat fee or APR) plus fees and warrants for some lenders | About 4 weeks to about 2 months | Small (warrants) | Members only |
| Venture banks Non-dilutive debt & advances |
6 | About 8.5–11.5% a year (flat fee or APR) plus fees and warrants for some lenders | About 6 weeks to about 2 months | Small (warrants) | Members only |
| SBA & small-business bank loans Non-dilutive debt & advances |
3 | About 9.5–13.5% a year (flat fee or APR) plus fees and warrants for some lenders | About 4 weeks to about 2 months | None | Members only |
| Traditional bank loans & lines Non-dilutive debt & advances |
5 | About 8.5–13% a year (flat fee or APR) plus fees and warrants for some lenders | About 4 weeks to about 6 weeks | None | Members only |
| Online lines of credit & term loans Non-dilutive debt & advances |
3 | About 8–60% a year (flat fee or APR) | About 1 day to about 2 days | None | Members only |
| Invoice factoring & AR financing Non-dilutive debt & advances |
4 | About 12–36% a year (flat fee or APR) | About 3 days to about 5 days | None | Members only |
| Embedded & processor capital Non-dilutive debt & advances |
7 | About 6–17% a year (flat fee or APR) | About 1 day to about 3 days | None | Members only |
| Capital marketplaces Non-dilutive debt & advances |
2 | About 10–45% a year (flat fee or APR) plus fees and warrants for some lenders | About 1 week to about 2 weeks | None | Members only |
| Corporate cards (spend float) Non-dilutive debt & advances |
3 | Interest-free for 1 month, then pay in full | About 3 days to about 1 week | None | Members only |
| Customer-funded Customer-funded |
3 | About 5–50% one-time discount | About 4 weeks to about 2 months | None | Members only |
| Equity investors Equity (sell ownership) |
4 | Equity — you sell a share of the company | About 4 weeks to about 4 months | Yes — equity sold | Members only |
| Equity crowdfunding Equity (sell ownership) |
3 | Rates shown to approved members | About 2 months | Yes — equity sold | Members only |
| Accelerators Equity (sell ownership) |
2 | Rates shown to approved members | About 3 months | Yes — equity sold | Members only |
| Grants & tax credits Grants & credits |
4 | No cost — non-repayable | About 5 months to about 6 months | None | Members only |
Methodology
B2B Agent tracks 84 providers. For each one we record pricing model, an estimated rate as of today, fees and warrants, time to cash, typical size, term, requirements, and regions. Flat-fee and APR products are compared at the low end of that estimate; revenue-share, equity, and grant products are shown on their own terms rather than forced into an annual rate. These figures are estimates as of today, not a lender's quoted interest rate or an offer. Your actual cost depends on your business and each provider's underwriting.
Cite this report
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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.