Best Revenue-Based Financing Companies in the USA of 2025

Braavo

Grow your app business with confidence. Revenue-based funding and analytics for growing mobile apps and games. Our funding solutions are fast and convenient. No due diligence required. View aggregated revenue and ad spend for all your apps across iOS, Android, Stripe, and more. Get early access to your earnings in the app store so you can execute on growth plans now. Scale user acquisition or optimize product performance to drive revenue without using equity. Hundreds of millions funded to high-potential apps from startup to massive scale. We’ve built a robust platform providing the best customized funding solutions that scale with you. Braavo clients are partners. You’ll always get the support you need, every step of the way. Growing an app business is hard. With over 5 years in the market, we get it, and we will help you succeed. Sustainable funding means all stakeholders are winners, capital providers, founders and their teams using that capital.

Starting Price: $99 per month

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Outfund

We provide the capital you need, when you need it. No dilution, no personal guarantees, no interest rates. It's funding, made fairer. Simply connect your digital payment providers with Outfund, and we will generate bespoke funding offers based on your revenue data within 48 hours. Invest in growth, and repay as you make sales. Funding offers are based on your average monthly revenue. Get a quick indication of your eligibility with our easy-to-use calculator. Outfund securely connects to your existing banking, payment processing, and accounting platforms. Using predictive models, we assess key metrics from your revenue, advertising performance and other third-party data to create bespoke funding offers. Our funding is based on your performance. We don't take any equity, meaning we don't dilute you or your investors. Instead, funding is repaid through a simple revenue share.

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Vitt

Unlock the cash trapped in your SaaS company's recurring revenues. Raise immediate, upfront growth capital, without debt or dilution! Right now, if SaaS founders want money, they have to pitch VCs (who typically haven't even worked for a startup) or try (and fail) to get money from banks. With Vitt, get upfront, non-dilutive financing against your monthly recurring revenues. Never trade growth off against dilution again. No need to waste time speaking to venture capitalists. Grow by closing customers, not investors. Money is only useful once it's in the bank. Sign up in minutes, get your cash in seconds. Don't lose weeks negotiating payment terms with your customers. Give them flexibility and still get your cash upfront. No more discounts for upfront payment. Strengthen your topline without worrying about cash flow. We analyze your financial data and give a financing decision in a matter of minutes, not months. No more searching for intros to VCs in your network.

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Settle

Settle is a unified platform designed to streamline financial and operational workflows for consumer packaged goods (CPG) brands. It offers tools for procurement, inventory management, accounts payable automation, and access to non-dilutive working capital. With features like automated purchase orders, real-time inventory tracking, and seamless integration with platforms such as QuickBooks and NetSuite, Settle enables brands to efficiently manage their supply chain and financial operations. The platform also provides transparent financing options with flexible repayment terms, supporting strategic growth without equity dilution. By consolidating these essential functions, Settle empowers CPG businesses to optimize cash flow, reduce manual tasks, and scale effectively.

Starting Price: $149 per month

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Founderpath

We’re the only company that will give you more than 12 months to payback. You'll always know how much capital you have available. Unlock more capital at better terms with Founderpath. Connect with your favorite tools. We generate your Founderpath Score (high 1,000). A higher score means more capital, better terms. Money gets wired in under 24 hours. We’re available in most countries and have already done deals with founders in Canada, South America, Europe, and Asia. Our fastest deal went from signup to money wired in 23 hours. Our longest deal took 9 days. We’re advancing you money against your future receivables. We predict how long customers are likely to keep paying you based on historical churn rates. This is not debt so there is no interest rate. Founderpath wants to make sure we can offer you fresh capital in minutes and the amount available will grow with your MRR. It’s best to keep your account up to date and at a minimum refresh your account monthly.

Starting Price: $250 per month

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Drip Capital

Get quick access to cash using your outstanding invoices or inventory. Drip Capital’s buyer finance solutions provide a low-cost line of credit that importers & traders can avail at the click of a button. SMBs can get the additional working capital at a lower cost and improve their cash flow to invest in technology, buy more inventory, acquire new customers, meet seasonal demands, and expand to new markets, thereby allowing them to boost sales and grow their business at a faster rate. Build a long-term reputation by offering favorable terms to your customers and on-time payments to your suppliers. Get funded within 24 hours of submitting the documents on our platform. Create a healthier, more profitable business with a shorter cash-conversion cycle. Leveraging international trade data, we have created innovative financing solutions that help small businesses grow and scale their operations.

Starting Price: Free

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Fleximize

We’re an industry-leading digital business lender with a genuine passion for supporting UK SMEs. Our customers have named us Best Business Finance Provider at the British Bank Awards, twice. In short, we’re the cream of the crop, dedicated to bringing you industry-leading products and the best experience possible. Our team will get to know the person behind the business, listen to your needs, and match you with the best product, rates and loan terms. You’ll also be greeted by the same point of contact if you return to us for another round of funding later on. Both our Flexiloan and Flexiloan Lite come as either unsecured or secured, depending on your business needs. We understand that you may need a little breathing space, which is why we offer top-ups and repayment holidays during your loan term. During these unprecedented times, your community relies on you, and you can rely on us.

Starting Price: 0.9% Fee

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Liberis

At Liberis we’re experts at embedding revenue-based finance solutions into your existing customer experiences. You can provide your business customers with the intuitive, responsible finance they’re after. Our embedded finance platform empowers you to offer finance directly to your customers within your own customer experiences. We’ll handle the documentation, legal processes, and funding. Your customers need finance for many reasons, from cash flow management to business growth. Liberis’ embedded finance platform provides a fast and simple solution, with a revenue-based payment method that we know businesses owners love.

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Capchase

Make fundraising a thing of the past, tap into non-dilutive growth capital on-demand. Receive up to a year of upfront capital immediately, giving you the flexible funding you need to grow your business and scale. Select unpaid invoices or recently paid expenses, and choose repayment terms of 3, 6, 9, or 12 months. As much funding, or as little, when you need it. We accept monthly, quarterly, even yearly contracts, adapting to meet your demands. We provide the necessary funding you need at that moment. Your money works for you rather than sitting idle. Within 24 hours, we assess the funding needed and deposit it instantly to your account. Our easy-to-use interface allows you to understand and manage all your transactions and accounts. Access more capital as you scale. We are your partner every step of the way, reducing our rates the longer we work together. Your data enables us to quickly provide you with the right amount of capital your business needs.

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Banxware

Banxware provides the technology and the funds for business financing of any kind, fully embedded in your platform or as an affiliate solution, all managed by Banxware. Help your merchants grow their platform revenues. Provide your merchants with easy access to capital based on their most recent performance. You’re in the driver's seat. Looking for integrated business financing of any sort embedded in your platform? You define your needs, we build and run them! Offer your merchants a platform-branded cash advance program based on transaction volume, straight from your payment gateway. Increase merchant revenues on your marketplace. Offer a business lending product embedded in your merchant portal. We make integrating business financing solutions into platforms as easy as 1-2-3. We approve payout financing within 15 minutes. Banxware empowers platforms to offer financing products based on recent financial transaction history such as merchant cash advances.

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Element Finance

Absolutely no dilution or warrants, ever. Drive your SaaS company's recurring revenue growth with up to $10m in venture finance. A long-term capital partner over the life of your business. Let’s face it, not all debt is created equal. We believe there’s a different way to grow and finance should be straightforward and tailored to the needs of the business. We take a personal, partnership-led approach to learn your business and help you build the right capital stack. Flexible, customized approach to finance structure. We'll customize what you need with no hidden terms and conditions. We are committed to helping SaaS founders build their capital stack while limiting their cost of capital equity. Growth finance simplified. No board seats, personal guarantees, warrants or equity. Financing with a fixed interest rate and payment schedule. Multiple tranches reduce your cost of capital.

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Uncapped

Here at Uncapped, we believe founders shouldn’t have to give away ownership of their company to fund growth. That’s why we provide no-security and no-equity investments from $10k - $5 million to founders and companies who are changing the world. We charge a flat fee of 6-12% on the capital provided and get repaid through a revenue share. There are no pitches, cap tables or coffees required. So founders can apply online, receive an offer and focus on growing their business! Our no-equity, no-security approach means you own more of your business. Our flexible terms mean you are never caught out by repayments. Our insights tools mean you don't miss out on growth opportunities. Our partner referrals give you access usually reserved for venture-backed companies.

Starting Price: 6% Fee

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Kapitus

Traditional term loans are not the right fit for every business situation. With more stringent approval criteria, higher amounts being required, longer processing and approval times, compounding interest rates, and the idea of a long-term commitment required, there are times when a traditional loan just doesn’t make sense. For those times, Revenue-based Financing just may be your ideal solution. Revenue-based financing comes with financing amounts that start as low as $10,000, approvals that are based more on a strong sales history and recurring annual revenue than they are a credit score, and because terms are shorter, you pay less in finance charges. Revenue-based financing allows you to take advantage of opportunities that you otherwise would have had to miss out on because of a lack of available funds. Both big and small disasters happen throughout the life of a business, revenue-based financing can quickly give you the money you need to quickly address any unexpected issues.

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Wayflyer

Providing flexible funding and actionable insights to the world's fastest-growing eCommerce businesses. By combining flexible funding with powerful insights, we give you everything you need to accelerate your growth. Accelerate your growth with funding and insights. Securely connect your platforms to access funding offers. Connect in minutes and have offers within hours. Connect your Shopping Platform (Shopify, WooCommerce, Magento, Amazon, BigCommerce or Stripe) so we can generate funding offers for you. Connect Facebook Ads, Google Ads and Google Analytics to unlock better funding offers and to get the most out of Wayflyer Insights. Automatically connect your bank account using Plaid or confidentially share copies of your bank statements. We use this to approve your funding request. Use our combination of funding and insights to invest in your business and drive your growth.

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Booste

With our data-driven process, you’ll get an offer within a day, not weeks. No credit checks, equity loss or personal guarantees. Everything in one, flat, easy to understand fee. Repayments are based on your revenue and adapt to its fluctuations so they’ll never cripple your cash flow. Leverage the experience of eCommerce experts we work with to ensure the healthy growth of your online brand. We take data security seriously. We use end-to-end data encryption when handling your data and information. We’re not a bank, nor a VC fund. We understand and work only with one business type - eCommerce. Booste funds your online marketing and advertising. A small percentage of your future revenue is used as a weekly repayment until the capital and a once-off fee are repaid. We offer financing to eCommerce companies with at least six months of online sales history.

Starting Price: 6% Fee

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Forward Advances

We provide growing companies with capital to spend on marketing and inventory. With this, you also get access to a network of industry experts. We take a low fixed fee and repayments are based off a percentage of your weekly revenue. No equity, no late fees, no personal guarantees, no penalties. We provide growing companies with capital to spend on marketing and inventory. With this, you also get access to a network of industry experts to help you grow faster. We take a low fixed fee and repayments are based on a percentage of your revenue. We don't take any equity and there are no late fees, guarantees or penalties. The team has a wide range of backgrounds including, people and talent, product, design, tech and of course growth. Once you take an advance we schedule a call with the team to see how we can help.

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Valerian

Valerian provides non-dilutive capital to fuel your eCommerce, marketplace or subscription business. Simply connect your business platforms, and we do the rest. No more lengthy due diligence. Repayments are made as a fixed percentage of your daily sales. Enjoy more financial security without fixed monthly fees. Created by experienced entrepreneurs, Valerian is designed to help founders win. We succeed when you succeed. Repeatable expenditure in customer acquisition, inventory or payroll. eCommerce, DNVBs, subscription businesses, SaaS, marketplaces and even apps. B2B and B2C. Private and secure connection with the platforms that power your business. Our proprietary algorithm analyzes your data and compiles an offer customized for your business. As a percentage of your daily sales, repayments follow your activity so as to always have a positive impact on your cash position.

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Karmen

Karmen natively integrates to your existing tools in a few clicks. Easily share your data through secured and confidential API connections. Karmen analyses your data and provides detailed performance dashboards. Based on your score, Karmen will propose the most competitive financing offers to accelerate your growth. Receive your growth capital in less than 48 hours. With Karmen, grow your business on your terms. Karmen doesn’t disrupt the billing workflow or interfere with customer relationships. You continue to collect payments from your customers as normal, then they’re automatically sent to Karmen each month. Your customers don’t even know we exist.

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United Capital Source

Whatever the size of your company, we’ll find funding programs designed to suit you! One of the most significant flaws of traditional small business loans is the repayment terms. You have to make a fixed payment every month, even though every company goes through ups and downs. Many companies cannot qualify for traditional bank loan products for this exact reason. Consistent revenue isn’t a possibility when your industry comes with busy and slow seasons. If this sounds like your business, revenue-based financing may be the right financing product for your needs. This unique product is very similar to a merchant cash advance, but it’s not just for businesses with high debit and credit card sales volumes. You can also access higher borrowing amounts and longer terms. Revenue-based business loans are easy to qualify for and, depending on your sales volume, even easier to pay back.

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AdvancePoint

Revenue-based loans are a type of financing that provides alternatives to traditional business financing. Revenue-Based financing (RBF) leverages the business’s sales (revenue) and net profit margins to raise money for needs such as working capital, cash flow, inventory, growth, and emergency infusions of capital. Revenue-based financing agreements can be structured in multiple ways but usually is in the form of a business loan or business advance from a designated lender. The most common types of business funding products for revenue financing are short-term business loans, invoice financing (Factoring), purchase order financing, or future receivables sale and purchase agreements (also known as a merchant cash advance or business cash advance) and royalty-based financing. There are so many funding options to choose from with revenue-based financing -so let’s take a look.

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Find Venture Debt

The complexity of the landscape reinforces our view that “venture debt” is an umbrella term for many types of debt available to startups and other fast-growing businesses. We have identified more than 20 types of venture loans. These range from working capital revolvers to synthetic royalty loans, with most venture lenders providing more than one type. Determining the type of debt that is the best fit for a startup or other fast-growing business is case-specific. The table below provides general guidance for pre-revenue, SaaS, life science, and other businesses that should serve as a starting point for consideration. In the examples, we refer to “equity sponsor,” which means that the company has institutional shareholders such as a venture capital fund or private equity fund. Sponsored companies generally have access to more debt financing options. To obtain debt capital, pre-revenue startups need either collateral or venture capital sponsorship.

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Decathlon Capital

Decathlon is a revenue-based financing firm that offers revenue-based funding solutions that replace the need for equity investment by allowing a business to repay an infusion of growth capital from a small percentage of future revenue. You took the risk. You built the business. Now that you are taking things to the next level, you deserve capital for growth, without having to give up equity or control. Decathlon Capital Partners provides revenue-based funding to growth-oriented companies with $4 million to $100 million in annual revenue. We support companies in a wide range of industries and focus on long-term partnerships. As the country’s largest revenue-based funding investor, Decathlon is transforming the way established businesses fund their growth. With a crisp and streamlined process, we can take you from initial dialogue to closed funding in four weeks. Our process is transparent and direct so you will always know where you stand.

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Novel Capital

Novel Capital is here for revenue-focused entrepreneurs like you. Our fair, flexible, and simple growth capital options will allow you to seize your market opportunity. Just like you, we were founders who needed capital to grow our companies. So we get it. That’s why our funding approach is more than just an algorithm. Yes, we have the tech to crunch the numbers, but more importantly, we strive to understand you and your business to ensure we’re the best fit for your continued success. No equity or warrants. Increase your company’s value while retaining your equity. By giving you access to fair capital options to capitalize on your momentum without diluting your business, we free you of constraints and artificial growth expectations to focus on sustainable revenue growth.

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Lighter Capital

Keep your equity, board seats, and vision intact. 100% transparent process. No hidden fees. No personal guarantees or warrants. Quick and easy access to up to $3M capital. Lighter Capital is the largest provider of non-dilutive debt capital to start ups. Over the past decade, we’ve invested hundreds of millions of dollars into growth companies. We don’t require you to be profitable, but we do like to see a path to profitability. You’re currently supplying your products or services to at least 5 clients. Funding that scales as your company grows. Follow-on rounds in as little as a week. With our simple online tool, get real figures for how much value and ownership you could retain raising revenue-based financing compared to traditional equity sources.

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Flow Capital

When and when not to use RBF during your journey. Explaining the structure of RBF loans, including cost and duration. What to look for and what to avoid when choosing a lender. Which terms you should look out for and negotiate. Revenue-based financing, also known as revenue sharing or royalty-based financing, is a method of raising capital for emerging and high-growth businesses. Investors inject growth capital in exchange for a percentage of monthly revenues. Revenue-based financing, also known as revenue sharing or royalty-based financing, is a method of raising capital for high-growth businesses in which investors inject growth capital in exchange for a percentage of future monthly revenues.

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Recur Club

Recur Club transforms your recurring revenue into upfront capital through subscription-based financing! Trade your monthly or quarterly subscriptions into instant upfront capital. Connect with your finance and subscription manager or share data to get your trading limit. Get your future revenue today and repay as your customers pay without investor pressure or debt covenants. The fastest way to cash in the bank. Trade to get capital whenever you need it. Get exclusive access to Recur Insiders with data-backed insights about your business & advisory from industry veterans. Recur works with a single obsession to empower founders to focus on their business as they scale. We partner with companies by unlocking fast, flexible, transparent, and non-dilutive capital at every stage of their growth journey and provide an ecosystem to amplify their growth. Share a few company details like CIN, PAN, and GSTIN to create your account on Recur Club.

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Behalf

Whether you’re a merchant looking to provide financing to your business customers, or a small or medium-sized business looking for cash flow solutions, Behalf is the proven and trusted partner to help you finance your business purchases with each approved transaction. Behalf’s experience and depth of knowledge allow us to empower your business on day 1 and evolve with you as your business grows in the years to come. Behalf was founded on the belief that affordable access to capital is essential to growing any business. Financing preferences are tailored to each unique business customer. Advanced decision models. Over 21,000 merchant partners served to date. Over 135,000 small-medium-sized business customers served. Dedicated account management and support. Full-service marketing. Customized onboarding and launch planning. Purchasing limits from $3,000 to $1,000,000. Seamless customer enrollment and checkout. Flexible integration options designed with merchants in mind.

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Float

Traditional finance hasn't kept up with innovation. The funding process for SME SaaS companies is antiquated, hard to access, time-consuming, and tedious.   That’s why at Float we pioneered a new product, we like to call Capital-as-a-service (CaaS). We provide SaaS startups and SMEs with fast, easy, founder-friendly, and non-dilutive growth capital.    As founders ourselves, our vision is to empower other founders by providing them the capital they need to focus on building and growing their business without entering a never-ending fundraising mode. 

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Stripe Capital

Stripe

Stripe Capital provides access to fast, flexible financing so you can manage cash flows and invest in growth. There's no personal credit check and no complicated application process. Eligibility is based on factors like your payment volume and history on Stripe. Funds typically arrive the next business day, directly into your Stripe account. Pay one flat fee that never changes. There are no compounding interest charges, collateral obligations, or late fees. Repayment is fully automated and adjusts to your daily sales. Stripe deducts a fixed percentage of your sales until the total owed is repaid. Select the amount that’s right for your business needs. The fee and repayment rate are set based on the accepted amount. After our team reviews your selection, the funds will be deposited into your Stripe account, typically the next business day. You’ll automatically repay the loan with a fixed percentage of your daily sales until the total amount is repaid.

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Ratio

Reimagining technology procurement and funding by combining payments, predictive pricing, financing, and a seamless quote-to-cash process into one platform. Flexible payment options to close faster, embedded into sales. Get funded now leveraging your existing recurring revenues. Get paid now even though customers pay later. Align payments to Ratio with customer payments. Unlock capital for growth from your own assets without dilution or debt. No monthly payments are required for Ratio unlike venture debt and revenue-based financing. Pick and choose which contracts to sell based on your cash flow needs. The Ratio team is made up of experienced SaaS and finance executives, serial entrepreneurs, builders, and dreamers. Equity is a critical piece to building your company and compensating your team. Taking strategic capital from Ratio involves no dilution from selling equity or issuing warrants.

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Best Revenue-Based Financing Companies in the USA

Compare the Top Revenue-Based Financing Companies in the USA as of July 2025

What are Revenue-Based Financing Companies in the USA?

Braavo

Outfund

Vitt

Settle

Founderpath

Drip Capital

Fleximize

Liberis

Capchase

Banxware

Element Finance

Uncapped

Kapitus

Wayflyer

Booste

Forward Advances

Valerian

Karmen

United Capital Source

AdvancePoint

Find Venture Debt

Decathlon Capital

Novel Capital

Lighter Capital

Flow Capital

Recur Club

Behalf

Float

Stripe Capital

Ratio

Best Revenue-Based Financing Companies in the USA

Compare the Top Revenue-Based Financing Companies in the USA as of July 2025

What are Revenue-Based Financing Companies in the USA?

Braavo

Outfund

Vitt

Settle

Founderpath

Drip Capital

Fleximize

Liberis

Capchase

Banxware

Element Finance

Uncapped

Kapitus

Wayflyer

Booste

Forward Advances

Valerian

Karmen

United Capital Source

AdvancePoint

Find Venture Debt

Decathlon Capital

Novel Capital

Lighter Capital

Flow Capital

Recur Club

Behalf

Float

Stripe Capital

Ratio

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