A curated collection of revenue-based financing (RBF) providers and best practices for bootstrappers seeking capital without diluting ownership. This list highlights tools and platforms that allow founders to retain control while scaling operations based on future revenue.
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A leading revenue-based financing platform that provides capital to e-commerce and subscription businesses. Clearco allows founders to access funding without giving up equity, repaying through a percentage of daily sales, which aligns lender incentives with business growth.
Offers business loans to merchants with a PayPal history, calculating repayment automatically as a fixed percentage of daily sales. This model is ideal for bootstrappers who want simple, cash-flow-friendly financing without the complexity of traditional bank applications or equity stakes.
Provides upfront capital to businesses using Stripe for payments, with repayments taken as a small percentage of future transactions. It is designed for quick access to cash without credit checks or personal guarantees, making it a popular choice for agile startups.
An online small business lender offering revenue-based financing and loans with short terms. SmallNet focuses on accessibility for businesses that may not qualify for traditional bank loans, providing rapid funding decisions based on bank account performance rather than equity.
Now part of American Express, Kabbage offers revolving lines of credit based on real-time business data. Bootstrappers appreciate its automated underwriting process and flexible repayment options that scale with revenue, avoiding the rigid structures of traditional loans.
A prominent alternative lender providing term loans and lines of credit to small businesses. OnDeck is known for its fast funding speed and straightforward application process, serving as a viable equity-free option for companies with consistent revenue streams.
Specializes in lines of credit for small businesses, approving up to $250,000 based on bank account data. Fundbox allows borrowers to draw funds as needed and only pay interest on what they use, offering maximum flexibility for cash flow management.
Offers high-yield business checking and lines of credit with competitive interest rates. Bluevine’s platform is designed for efficiency, providing quick access to capital with flexible repayment terms that align with business cash flow cycles.
While known for venture capital, SVB also provides non-dilutive financing options for high-growth startups. Their revenue-based products allow companies to secure capital without equity dilution, often tailored to technology and life sciences sectors.
An educational resource detailing how to structure revenue-based financing deals effectively. It offers insights for founders on negotiating terms, understanding repayment caps, and maintaining control while leveraging future revenue for current growth needs.
A marketplace that connects small businesses with a network of lenders offering various financing products. Lendio helps bootstrappers compare equity-free options like term loans and lines of credit, streamlining the search for the most suitable non-dilutive capital.
Provides small business loans with fixed interest rates and terms. Funding Circle is particularly useful for bootstrappers who prefer predictable repayment schedules and transparency, avoiding the variable costs associated with some revenue-based models.
Offers 0% interest microloans up to $50,000 through a global network of lenders. Kiva is an excellent equity-free option for early-stage bootstrappers who can build a credit history and access capital without giving up any ownership or paying interest.
Focuses on software and technology companies, providing growth capital through a combination of loans and convertible notes. While it can involve equity conversion, the initial structure is often debt-based, allowing companies to fund growth before considering dilution.
Offers marketing loans specifically designed for SaaS and digital businesses. Growtitive provides capital for customer acquisition with repayments tied to revenue, helping bootstrappers scale growth without the administrative burden of traditional financing.
Provides business credit cards and lines of credit with transparent terms and rewards. Capital on Tap is suitable for day-to-day cash flow management, offering an equity-free source of funds with flexible repayment options for small businesses.
An educational resource from Fundbox explaining the mechanics of revenue-based financing. It helps founders understand how repayments work, when to use RBF versus traditional loans, and how to maintain financial health while growing without equity dilution.
A comprehensive guide for startups on financing options, including equity-free methods. Stripe Atlas helps new businesses incorporate and provides resources on accessing capital, including revenue-based models that align with modern startup growth patterns.
Publishes data-driven insights on alternative financing trends for startups and SMBs. Mercury’s reports help founders understand the landscape of non-dilutive capital, providing benchmarks for terms and conditions in revenue-based financing deals.
A business credit platform that helps small businesses find and compare loans. Nav aggregates offers from multiple lenders, making it easier for bootstrappers to discover equity-free financing options tailored to their specific industry and revenue profile.