Bank term loans and revolving lines for VC-backed companies that bank with them.
The cheapest debt if you are VC-backed and will keep deposits there.
Usually requires moving operating accounts; small warrant package; covenants.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your company & investors |
| Collateral | All company assets |
| How you repay | Interest-only then amortize |
| Dilution | Small (warrants) |
| Typical pricing | About 8.5–11.5% a year (flat fee or APR) plus fees and warrants for some lenders |
| Typical time to cash | About 6 weeks to about 2 months |
| Good for | Extending runway · Growth spend · Working capital |
Venture banks providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| First Citizens (SVB) Venture banking |
Rates shown to approved members reported |
About 6 weeks | About 25% of your last equity round | Institutional VC backing | US · UK |
| HSBC Innovation Banking Venture banking |
Rates shown to approved members estimated |
About 6 weeks | About 25% of your last equity round | Institutional VC backing | US · UK |
| Bridge Bank Technology banking (Western Alliance) |
Rates shown to approved members estimated |
About 6 weeks | About 25% of your last equity round | Institutional VC backing | US |
| Stifel Venture Banking Venture banking |
Rates shown to approved members estimated |
About 6 weeks | About 25% of your last equity round | Institutional VC backing | US |
| Banc of California Venture banking (formerly PacWest) |
Rates shown to approved members estimated |
About 6 weeks | About 25% of your last equity round | Institutional VC backing | US |
| J.P. Morgan Innovation Economy banking |
Rates shown to approved members estimated |
About 2 months | About 25% of your last equity round | Institutional VC backing | US · UK |
Is venture banks right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.