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 – $5.0M$25K – $5.0M
Speed1-3 days24-48 hours
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 1-3 days funding with amounts from $50K to $5.0M, while Revenue-Based Funding offers 24-48 hours funding from $25K to $5.0M. 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 $600K 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 105+ 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

Term capital to cover payroll, inventory, or cash-flow gaps, structured to fit your business.

$50K–$5.0M | 1-3 days

Revenue-Based Funding Guide

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

$25K–$5.0M | 24-48 hours

Still Not Sure?

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