Funding comparison
Compare published guidelines for structure, timing, credit profile, and common uses. Final terms depend on underwriting and the specific offer.
Compare my optionsSide by side
These ranges and timing estimates were retained from the legacy Now Biz Fund project. They are not offers or guarantees.
| Consideration | Business Line of Credit | Revenue-Based Financing |
|---|---|---|
| Range | $10K–$250K | $10K–$1M |
| Typical funding speed | 24–72 hours | 24–72 hours |
| FICO guideline | 600+ | 550+ |
| Often considered for | A reusable cushion for recurring or unpredictable expenses | Businesses with consistent revenue seeking performance-linked payments |
| Structure | Revolving credit; draw as needed and pay interest on the amount used | Repayment varies with an agreed share of business revenue |
The short version
A business line of credit provides repeat access to capital for cash-flow gaps and opportunities without a new application for every draw.
The short version
Revenue-based financing links repayment to business receipts, so payments can move with performance instead of following a fixed amortization schedule.
Decision guide
Business Line of Credit and Revenue-Based Financing solve different cash-flow problems. Start with the use of funds and the payment cadence the business can reliably support, then compare total payback, term, fees, collateral, and prepayment terms in writing. Pre-qualification is not an approval or a final offer.
Start a no-obligation reviewCommon questions
Both options share a 24–72 hours published timing guideline; actual timing depends on underwriting and document readiness.
Business Line of Credit lists 600+; Revenue-Based Financing lists 550+. These are guidelines, not approval guarantees, and other underwriting factors apply.
Request the total repayment, fees, payment frequency, term, prepayment treatment, and any collateral or guarantee requirements in writing. A rate or factor alone does not show the full cost.
Sometimes, if each product serves a distinct need and the combined payments remain affordable. Existing obligations affect underwriting, so disclose them before accepting an offer.