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 | Invoice Factoring | Revenue-Based Financing |
|---|---|---|
| Range | $10K–$5M | $10K–$1M |
| Typical funding speed | 24–48 hours | 24–72 hours |
| FICO guideline | Revenue-based | 550+ |
| Often considered for | B2B businesses waiting 30–90 days for customer payments | Businesses with consistent revenue seeking performance-linked payments |
| Structure | An advance against eligible unpaid business invoices | Repayment varies with an agreed share of business revenue |
The short version
Invoice factoring converts eligible B2B receivables into working cash, with underwriting focused heavily on invoice quality and customer credit.
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
Invoice factoring is purpose-built for eligible B2B receivables; it is not a general-purpose loan. Choose revenue-based financing when the need is broader than outstanding invoices. Compare fees, payment mechanics, recourse, and customer-notification terms before deciding.
Start a no-obligation reviewCommon questions
Invoice Factoring has the faster published timing guideline here, but document readiness and underwriting determine actual timing.
Invoice Factoring lists Revenue-based; 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.