23 ways to get the money
Sorted by speed when pricing is members-only. Open a provider for requirements, or compare two of them head to head.
| Provider | What it is | Estimated as of today | Time to cash | Requirements |
|---|---|---|---|---|
| Founderpath Revenue purchase / term loan |
Revenue-based financing | Rates shown to approved members | About 1 day | $120K+ ARR |
| Fundbox Line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 1 day | Existing revenue · Personal guarantee |
| PayPal Working Capital |
Embedded & processor capital | Rates shown to approved members | About 1 day | Existing revenue · Revenue collected through their platform |
| Bluevine Line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 2 days | Existing revenue · Personal guarantee |
| OnDeck Term loan & line of credit |
Online lines of credit & term loans | Rates shown to approved members | About 2 days | Existing revenue · Personal guarantee |
| Stripe Capital Merchant financing |
Embedded & processor capital | Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform |
| Shopify Capital Merchant cash advance & loans |
Embedded & processor capital | Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform |
| Square Loans Merchant loans |
Embedded & processor capital | Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform |
| Parafin Embedded capital via platforms |
Embedded & processor capital | Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform |
| Capchase Capchase Grow |
Revenue-based financing | Rates shown to approved members | About 3 days | $1M+ ARR |
| Efficient Capital Labs Cross-border advance |
Revenue-based financing | Rates shown to approved members | About 3 days | Existing revenue |
| Clearco Invoice & cash advance |
Revenue-based financing | Rates shown to approved members | About 3 days | $120K+ ARR |
| eCapital Factoring & ABL |
Invoice factoring & AR financing | Rates shown to approved members | About 3 days | Existing revenue · Unpaid B2B invoices |
| Triumph Invoice factoring (TBK) |
Invoice factoring & AR financing | Rates shown to approved members | About 3 days | Existing revenue · Unpaid B2B invoices |
| Pipe Capital via embedded partners |
Embedded & processor capital | Rates shown to approved members | About 3 days | Existing revenue · Revenue collected through their platform |
| Wayflyer Revenue-based financing (ecommerce) |
Embedded & processor capital | Rates shown to approved members | About 3 days | Existing revenue |
| altLINE Invoice factoring (The Southern Bank) |
Invoice factoring & AR financing | Rates shown to approved members | About 5 days | Existing revenue · Unpaid B2B invoices |
| Riviera Finance Invoice factoring |
Invoice factoring & AR financing | Rates shown to approved members | About 5 days | Existing revenue · Unpaid B2B invoices |
| Lighter Capital Revenue-based financing |
Revenue-based financing | Rates shown to approved members | About 3 weeks | $500K+ ARR |
| Bigfoot Capital Term loan + RBF |
Revenue-based financing | Rates shown to approved members | About 3 weeks | $500K+ ARR |
| Flow Capital Growth debt (no VC needed) |
Revenue-based financing | Rates shown to approved members | About 4 weeks | $3M+ ARR |
| TIMIA Capital Revenue-based financing |
Revenue-based financing | Rates shown to approved members | About 4 weeks | $1M+ ARR |
| Decathlon Capital Revenue-based financing |
Revenue-based financing | Rates shown to approved members | About 4 weeks | $2M+ ARR |
Questions people ask
How can I get cash for my business quickly?
The usual paths are invoice factoring on unpaid B2B invoices, an online line of credit, revenue-based financing, or a cash advance repaid from card or platform sales. The fastest on this page: Founderpath (about 1 day); Fundbox (about 1 day); PayPal (about 1 day); Bluevine (about 2 days).
Is getting cash the same as taking a business loan?
Not always. A line of credit and an SBA loan are loans. Invoice factoring advances receivables. Revenue-based financing is repaid from revenue. A Stripe, Shopify, Square, or PayPal advance is repaid as a share of sales. The table names the product each provider sells.
How do I get cash for payroll this month?
Start with the fastest options that match your situation: Founderpath (about 1 day); Fundbox (about 1 day); PayPal (about 1 day); Bluevine (about 2 days). You still have to meet each provider's requirements, listed in the table.
Rank these for your company
Tell us the amount, your revenue, and when you need the cash. Offers you cannot get are dropped.
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.