Get an advance against future recurring revenue; repay a fixed fee or a share of revenue.
Recurring-revenue companies that want growth capital without dilution.
Needs predictable revenue. Short terms raise the effective annual rate.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your recurring revenue |
| Collateral | Future revenue |
| How you repay | Fixed monthly |
| Dilution | None |
| Typical pricing | About 7–18% a year (flat fee or APR) plus fees and warrants for some lenders |
| Typical time to cash | About 1 day to about 4 weeks |
| Good for | Growth spend · Working capital · Extending runway |
Revenue-based financing 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 |
|---|---|---|---|---|---|
| Founderpath Revenue purchase / term loan |
Rates shown to approved members published |
About 1 day | Up to about 33% of ARR | $120K+ ARR | US · Global |
| Capchase Capchase Grow |
Rates shown to approved members reported |
About 3 days | Up to about 50% of ARR | $1M+ ARR | US · EU |
| Efficient Capital Labs Cross-border advance |
Rates shown to approved members reported |
About 3 days | Up to about 40% of ARR | Existing revenue | US · Global |
| Clearco Invoice & cash advance |
Rates shown to approved members published |
About 3 days | Up to about 40% of ARR | $120K+ ARR | US · UK |
| Lighter Capital Revenue-based financing |
Rates shown to approved members published |
About 3 weeks | Up to about 33% of ARR | $500K+ ARR | US |
| Bigfoot Capital Term loan + RBF |
Rates shown to approved members estimated |
About 3 weeks | Up to about 40% of ARR | $500K+ ARR | US |
| Flow Capital Growth debt (no VC needed) |
Rates shown to approved members estimated |
About 4 weeks | Up to about 40% of ARR | $3M+ ARR | US |
| TIMIA Capital Revenue-based financing |
Rates shown to approved members estimated |
About 4 weeks | Up to about 40% of ARR | $1M+ ARR | US |
| Decathlon Capital Revenue-based financing |
Rates shown to approved members estimated |
About 4 weeks | Up to about 40% of ARR | $2M+ ARR | US |
Head-to-head comparisons
Is revenue-based financing 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.