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 | Revenue-Based Financing | Working Capital |
|---|---|---|
| Range | $10K–$1M | $10K–$500K |
| Typical funding speed | 24–72 hours | 24–72 hours |
| FICO guideline | 550+ | 520+ |
| Often considered for | Businesses with consistent revenue seeking performance-linked payments | Smoothing payroll, inventory, or vendor timing |
| Structure | Repayment varies with an agreed share of business revenue | Shorter-duration capital structured around an operating cash-flow need |
The short version
Revenue-based financing links repayment to business receipts, so payments can move with performance instead of following a fixed amortization schedule.
The short version
Working-capital financing provides runway for near-term operating costs such as inventory, payroll, and supplier payments.
Decision guide
Revenue-Based Financing and Working Capital 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.
Revenue-Based Financing lists 550+; Working Capital lists 520+. 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.