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Revenue-based financing, sometimes called a business cash advance, is a form of short-term financing based on your business’s expected future revenue. Funders will provide you with a lump sum of money that you will repay via automatic daily or weekly withdrawals from your business bank account.
Learn about our methodology for company selection here.
Funding amount
Up to $5 million
Term
6-24 months
Min. credit score
650
Time to funding
As little as 24 hours once approved
Revenue-based financing from Kapitus can help you get the funds you need to keep your business going. They can offer up to $5 million—a good amount of money for businesses in the market.
Our take
Pros and cons
Fees
$5,000-$250,000
12, 18, or 24 Months
625
As fast as same day after approval
If you’re looking for a cash advance or a line of credit to help cover costs for your business for a short amount of time, OnDeck’s product might be right for you. They can offer fast funding with no prepayment fees, but beware that missing any repayments can hurt your credit score.
2.5% on first loan, 1.25% on second loan, 0% on third loan and thereafter
$25,000-$600,000
500
Credibly works with financially healthy businesses to provide fast financing based on receivables, and the minimum time in business is just six months. However, there is a monthly administrative fee to be aware of when comparing your options.
2.5% set up fee, plus $50 monthly administrative fee
$5,000-$300,000
3-12 months
Enjoy a straightforward application process when you apply for financing through Expansion Capital Group. Credit score requirements start at 500 with a minimum annual revenue of $100,000. Newer businesses can apply too, with just six months in business required to apply.
Origination fee plus flat finance fee
$5,000-$500,000
4-12 months
575
As fast as same day
Good Funding makes it easy to get same day decisions and funding, making it an option for businesses who need cash fast. They specialize in working with a variety of industries, including auto repair, trucking, accounting, logistics, and transportation.
3% origination fee
Forward Financing makes it quick and easy to qualify for a business cash advance. If you finalize your paperwork by 3 p.m. Eastern time, you could even get same-day funding. Additionally, there is no personal guarantee required and you can adjust your payments if your revenue changes.
Upfront processing fee (varies by loan amount)
$10,000-$2 million
Up to 16 months
600
As little as 24 hours
Businesses looking for a large amount of financing should consider Backd for their cash advance. This funding option can go as high as $2 million. Plus, repayment terms can extend as long as 16 months. It can take as little as 24 hours to receive funding, and payments are deducted daily or weekly.
$50,000-$750,000
6-18 months
Kalamata offers generous cash advance amounts to established businesses with revenue of at least $20,000 per month. Approvals take three hours or less, with time to fund in as little as 24 hours. Kalamata advances are available for businesses in most industries and the company works in all 50 states.
$5,000-$2 million
3-24 months
As soon as same day
Mulligan caters to businesses of all sizes, with cash advances going all the way up to $2 million. You do need at least $600,000 in annual sales to apply with Mulligan. But it’s easy to do with an application that takes just minutes to complete and approval times within hours.
2-4%
$10,000-$500,000
6-15 months
Within 24 hours
National Funding offers flexible cash advances to use for working capital. The minimum credit score is just 600, but you will need annual revenue of at least $250,000 in order to apply. Once your application is approved and you return your financing agreement, you can get funding within 24 hours.
2.5% origination fee
$50,000-$5 million
630
As fast as same or next day
You’ll find large cash advance amounts with Libertas, along with revenue requirements of at least $150,000 per month. But if you qualify, you can get funds deposited in as little as 24 hours.
Unknown
Up to 18 months
As soon as 24 hours
Quickbridge offers cash advances that can be repaid over the course of 18 months. The credit requirements start at 600, and you need to be in business for six months with $250,000 in annual revenue to apply.
2% origination fee
Up to $400,000
Flexible term lengths from 3 to 15 months
As soon as 24 hours after approval
Reliant Funding offers cash advances that can be repaid over the course of up to 15 months. The credit requirements start at just 500, and you need to be in business for just three months with an annual revenue requirement of at least $60,000 to qualify.
Wondering how we chose the best? We used the following criteria to evaluate the lenders in our network.
*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (September 24, 2024). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.