Not sure whether Working Capital or Revenue-Based Funding 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.

Working Capital Loans vs Revenue-Based Funding — 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

CategoryWorking CapitalRevenue-Based Funding
Funding Range$50K – $500K$25K – $500K
Speed48-72 hours24-48 hours
APR Range6.9% – 28.5%4.5% – 12%
Min Credit Score600+550+
Best ForManaging seasonal inventory buildupSaaS and subscription businesses with monthly recurring revenue

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 Working Capital and Revenue-Based Funding?
The right choice depends on three factors: how much funding you need, how quickly you need it, and your monthly revenue. Working Capital offers 48-72 hours funding with amounts from $50K to $0.5M, while Revenue-Based Funding offers 24-48 hours funding from $25K to $0.5M. Use the qualifier above to see which fits your business profile.
Can I qualify for both Working Capital and Revenue-Based Funding?
Yes — many businesses qualify for multiple funding types. Working Capital requires a minimum credit score of 600 and $150K annual revenue, while Revenue-Based Funding requires 550 credit and $120K annual revenue. If you qualify for both, SmartMatch ranks them by overall fit for your specific situation.
What if neither Working Capital nor Revenue-Based Funding 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 Working Capital vs Revenue-Based Funding.

SmartMatch Assessment

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

Working Capital Loans Guide

Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.

$50K–$500K | 48-72 hours

Revenue-Based Funding Guide

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

$25K–$500K | 24-48 hours

Still Not Sure?

SmartMatch checks your business against 75+ lenders in 2 minutes. No credit pull. No commitment. Just answers.

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