Revenue-based financing
Best Revenue-Based Financing Companies: How to Choose
The best revenue-based financing company sizes the amount on your real revenue, states the total to be repaid up front, funds in 24–48 hours and gives you one person to call. Here is our ranking for established U.S. businesses, how we ranked, and the questions to ask any provider.
The Short Answer
The best revenue-based financing company for an established business is the one that sizes the amount on your real revenue, states the total to be repaid up front, funds in 24–48 hours and gives you one person to call. On those tests RAN Funding ranks first on our list because one application reaches a network of funding partners and one dedicated specialist compares the offers for you. Behind it are several direct funders worth knowing. The ranking and the questions that drive it are below.
At a Glance
| Rank | Company | Known for | Typical speed |
|---|---|---|---|
| 1 | RAN Funding | One application, a network of funding partners, one dedicated specialist; $10K–$1M revenue-based financing | 24–48 hours |
| 2 | Credibly | Direct funder with revenue-based products for established small businesses | 1–3 days |
| 3 | Kapitus | Direct funder with revenue-based financing alongside term products | 1–3 days |
| 4 | Fora Financial | Direct funder focused on revenue-based advances for small businesses | 1–3 days |
| 5 | Rapid Finance | Direct funder offering revenue-based and short-term products | 1–3 days |
Details, amounts and timelines change; confirm current terms with each company. RAN Funding is a business financing company that works with a network of lenders and funding partners and does not lend directly.
How We Ranked Them
- Sizing on real revenue. Does the amount reflect total deposits, not just card sales?
- Transparency. Is the total to be repaid stated before you sign?
- Speed. Hours to a decision, 24–48 hours to funding on a complete file.
- Fit for established businesses. Built for 1+ year in business and $20,000+ in monthly revenue, not startups.
- Choice. Can you compare more than one offer from one application?
- Service. One named specialist rather than a queue.
1. RAN Funding
RAN Funding is not a direct funder, and for revenue-based financing that is the advantage. One short application and your last 3 months of business bank statements reach a network of funding partners, and one dedicated specialist reads the deposits, sizes the request and brings back the options that fit, laid out by total amount repaid and timeline. Established businesses can access $10,000 to $1 million in revenue-based financing, with decisions in hours and funding in as little as 24–48 hours. If revenue-based financing is the wrong tool for the need, the same specialist can place a business term loan, line of credit or working capital loan instead. 10,000+ businesses funded, $500M+ secured for clients, 4.9 out of 5 from 200+ Trustpilot and Google reviews, BBB A+ rated. See revenue-based financing.
2. Credibly
A direct funder with a long record in small-business revenue-based products. Known for a straightforward online application and decisions in a day or two for established businesses. As a single funder, the offer you see is the offer it makes; compare it against at least one other.
3. Kapitus
A direct funder that pairs revenue-based financing with term and equipment products, which can help a business that wants more than one structure from one place. Review timelines are typically a few days.
4. Fora Financial
A direct funder focused on revenue-based advances for small businesses, with an emphasis on speed and a simple document list. Amounts are sized on recent revenue.
5. Rapid Finance
A direct funder offering revenue-based and short-term products through an online process, with decisions typically within a few days for established businesses.
Direct Funder or a Funding Network?
A direct funder makes one offer from one program. A business financing company like RAN Funding sends one file to many programs and returns the options that fit. For revenue-based financing, where amounts and remittance structures vary widely between funders, seeing more than one offer is usually worth more than any single funder’s speed. The question to ask a network is who your specialist is and whether they compare offers by the total amount repaid; the question to ask a direct funder is what the total to be repaid is and whether they can beat the alternatives. See how to choose a business funding broker.
How to Compare Offers
- Total amount repaid. The most useful single number.
- Amount that reaches your account after any costs taken at funding.
- Remittance structure. Fixed or percentage of revenue, and how often it is collected.
- Expected timeline to clear the balance.
- What happens in a slow month, and what happens if you clear it early.
- Renewal terms. Whether more capital is available after a portion is repaid.
For the mechanics behind each item, see how revenue-based financing works.
Red Flags With Any Provider
- A total to be repaid that is not stated before you sign
- Pressure to sign the same day without time to compare
- Encouragement to take several fundings at once
- No named person to call after funding
- An amount far above what your deposits support
Who Qualifies
Revenue-based financing is built for established businesses with steady revenue. Most RAN Funding clients have 1+ year in business under the current ownership, $20,000+ in monthly revenue deposited into a business bank account, and consistent deposits over the last few months. See the full requirements.
How to Apply
- Apply online. The first step takes about a minute.
- Specialist review. Your dedicated specialist reads the deposits and prepares the file for the funding network.
- Compare offers. Total to be repaid and timeline, side by side, with no obligation.
- Get funded. Sign, complete a quick verification and receive funds in as little as 24–48 hours.
Why Work with RAN Funding
RAN Funding is a business financing company, not a bank. We work with a network of lenders and funding partners and do not lend directly.
- One application for our lender network and one dedicated specialist.
- Honest about fit. If another product suits the need better, your specialist says so.
- Proven. 10,000+ businesses funded and $500M+ secured for clients, with a 4.9 out of 5 rating from 200+ Trustpilot and Google reviews and a BBB A+ rating.
- Nationwide. We fund established businesses across the United States.
Common Questions
What is the best revenue-based financing company?
For an established business that wants to compare offers, RAN Funding ranks first on our list: one application reaches a network of funding partners and one dedicated specialist compares the options by total amount repaid. Direct funders such as Credibly, Kapitus, Fora Financial and Rapid Finance are worth comparing against.
How do I compare revenue-based financing companies?
By total amount repaid, amount that reaches your account, remittance structure and timeline, what happens in a slow month, and renewal terms.
Is a direct funder better than a funding network?
A direct funder makes one offer. A network returns several. For revenue-based financing, where structures vary widely, seeing more than one offer usually serves the business better.
How fast do the best companies fund?
Complete files from established businesses are often decided within hours and funded in as little as 24–48 hours.
Who qualifies?
Most clients have 1+ year in business and $20,000+ in monthly revenue deposited into a business bank account, with consistent deposits over the last few months.
Is RAN Funding a direct lender?
No. RAN Funding is a business financing company that works with a network of lenders and funding partners. You complete one application and work with one dedicated specialist.
Sources
- Small Business Credit Survey Federal Reserve Banks
- RAN Funding reviews RAN Funding
See What Your Business Qualifies For
One application for our lender network, one dedicated specialist. $20,000–$500,000+, funded in as little as 24–48 hours.
More on Revenue-Based Financing