Not sure whether Revenue-Based Funding or Equipment Financing is right? Answer 3 questions and SmartMatch shows which one fits your business — plus any other options you qualify for. No credit pull, takes under 60 seconds.

Revenue-Based Funding vs Equipment Financing — Which Fits Your Business?

Answer 3 quick questions below. We'll tell you which option is the better fit based on your funding need, timeline, and revenue.

Quick Comparison

CategoryRevenue-Based FundingEquipment Financing
Funding Range$25K – $500K$10K – $500K
Speed24-48 hours3-5 days approval, 5-10 days to funding
APR Range4.5% – 12%4% – 10%
Min Credit Score550+600+
Best ForSaaS and subscription businesses with monthly recurring revenuePurchasing manufacturing or production equipment

Find Your Fit in 3 Questions

Tap your answer to each question. We'll recommend the better option for your situation.

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How much funding do you need?

Common Questions

How do I decide between Revenue-Based Funding and Equipment Financing?
The right choice depends on three factors: how much funding you need, how quickly you need it, and your monthly revenue. Revenue-Based Funding offers 24-48 hours funding with amounts from $25K to $0.5M, while Equipment Financing offers 3-5 days approval, 5-10 days to funding funding from $10K to $0.5M. Use the qualifier above to see which fits your business profile.
Can I qualify for both Revenue-Based Funding and Equipment Financing?
Yes — many businesses qualify for multiple funding types. Revenue-Based Funding requires a minimum credit score of 550 and $120K annual revenue, while Equipment Financing requires 600 credit and $100K annual revenue. If you qualify for both, SmartMatch ranks them by overall fit for your specific situation.
What if neither Revenue-Based Funding nor Equipment Financing fits my business?
Nautix Capital's SmartMatch assessment checks your profile against 75+ lenders across all funding types — not just these two. Even if neither option here is ideal, SmartMatch will surface every program you qualify for, including options you may not have considered. The assessment takes 2 minutes and has no impact on your credit score.

Explore Your Options

Full Comparison

See the detailed side-by-side breakdown of Revenue-Based Funding vs Equipment Financing.

SmartMatch Assessment

Get matched with all funding options you qualify for — not just these two.

Revenue-Based Funding Guide

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

$25K–$500K | 24-48 hours

Equipment Financing Guide

Finance new or used equipment with predictable payments that fit your cash flow.

$10K–$500K | 3-5 days approval, 5-10 days to funding

Still Not Sure?

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