Revenue thresholds
US business lenders with a revenue floor of $250,000 or less
24 providers publish an annual revenue minimum of $250,000 or below, compared here on cost, term, funding speed, and their remaining criteria.
For smaller US businesses below the revenue thresholds most published criteria assume.
| Provider | Published cost | What it measures | Term | Funding speed | Published criteria |
|---|---|---|---|---|---|
| American Receivable | 1%–3% | Discount fee | Per trade cycle | 24 hours | Requires $120,000+ in annual revenue. |
| PayPal Working Capital | 1%–12% | Discount fee | Auto | 24 hours | Requires $15,000+ in annual revenue and an existing PayPal biz business banking relationship. |
| Viva Capital | 1%–3.5% | Discount fee | Per trade cycle | 24 hours | Requires $240,000+ in annual revenue. |
| Prestige Capital PO | 1.5%–3.5% | Discount fee | Per trade cycle | 5–10 business days | Requires $100,000+ in annual revenue. |
| Sallyport Commercial | 1.5%–3.5% | Discount fee | Per trade cycle | 1–2 weeks | Requires $250,000+ in annual revenue. |
| Tradewind Finance | 1.5%–3.5% | Discount fee | Per trade cycle | 1–2 weeks | Requires $100,000+ in annual revenue. |
| Bank of America Advantage | Prime + 2% | Spread over prime | Revolving | 5–7 business days | Requires $100,000+ in annual revenue and an existing BofA business banking relationship. |
| Riviera Finance | 2% and up | Discount fee | Per invoice, non-recourse | 24 hours | Requires $10,000+ in annual revenue. |
| Riviera Finance PO | 2%–4% | Discount fee | Per trade cycle | 5–10 business days | Requires $50,000+ in annual revenue. |
| Wayflyer | 2%–8% | Discount fee | 6–12 months | 24–72 hours | Requires $240,000+ in annual revenue. |
| Global Funding Source | 2.5%–5% | Discount fee | Per trade cycle | 1–3 weeks | Requires $100,000+ in annual revenue. |
| MerchantAdvance PO | 2.5%–5% | Discount fee | Per trade cycle | 5–10 business days | Requires $25,000+ in annual revenue. |
| 8fig | 4%–10% | Discount fee | 6–12 months | 48 hours | Requires $100,000+ in annual revenue. |
| Fundbox | 4.66%–8.99% | Annual rate | 12–24 weeks | Same day | Requires at least 6 months in business, $100,000+ in annual revenue and a 600+ FICO score. |
| Ascentium Capital | 6%–14% | Annual rate | 2–7 years | 2–4 hours | Requires $100,000+ in annual revenue and a 640+ FICO score. |
| Clearco | 6%–12% | Discount fee | Per trade cycle | 48 hours | Requires $120,000+ in annual revenue. |
| Lighter Capital | 6%–12% | Discount fee | Variable | 2–4 weeks | Requires $180,000+ in annual revenue. |
| Pipe | 6%–12% | Discount fee | 12 months | 24 hours | Requires $120,000+ in annual revenue. |
| Uncapped | 6% | Discount fee | 6–12 months | 24–48 hours | Requires $120,000+ in annual revenue. |
| Currency Capital | 7%–16% | Annual rate | 2–7 years | 4–24 hours | Requires at least 1 year in business, $100,000+ in annual revenue and a 620+ FICO score. |
| Direct Capital (CIT) | 7%–18% | Annual rate | 2–7 years | 24–48 hours | Requires at least 2 years in business, $200,000+ in annual revenue and a 640+ FICO score. |
| LEAF Commercial | 7%–20% | Annual rate | 2–7 years | 4 hours | Requires $75,000+ in annual revenue and a 600+ FICO score. |
| Pacific Western Equipment | 7%–14% | Annual rate | 2–7 years | 3–7 business days | Requires $250,000+ in annual revenue. |
| Newtek Business Finance | 7.75%–10% | Annual rate | 10–25 years | 3–6 weeks | Requires at least 2 years in business and $50,000+ in annual revenue. |
These costs are quoted on different bases and are not directly comparable
- Discount fee
- Charged per invoice or trade cycle rather than per year. A fee that looks small can annualise into a much larger number when cycles repeat through the year.
- Spread over prime
- Quoted as a margin above the lender's prime rate, so the all-in cost moves with prime.
- Annual rate
- Quoted as an annual rate on the outstanding balance.
What this filter actually selects for
Revenue floors are the quietest exclusion in business finance. They are rarely the headline criterion, they are often stated only in the fine print, and a business below the threshold is usually filtered out before any conversation happens. Filtering on the floor first avoids spending weeks on applications that were never eligible.
A published revenue minimum is generally about verifiability as much as size. Providers want enough transaction volume to see a pattern, and a business with modest but highly consistent revenue often presents better than one with larger, lumpier receipts. Where revenue is seasonal, showing the full cycle rather than the strongest quarter is the more credible presentation.
- Providers matching: 24
- Product types represented: 6
- Distinct cost conventions in this table: 3
- Catalogue reviewed: Q1 2026
Reading costs across different products
This page cuts across product types, which means the cost column contains quantities that are not directly comparable with one another. 3 different quoting conventions appear below. A fee charged per invoice cycle and a rate charged annually can show the same number and differ by an order of magnitude in what they actually cost.
The basis is shown against every figure for that reason. Comparing within a basis is meaningful; comparing across one is not, and any ranking that flattens them into a single "cheapest" column is producing a misleading answer confidently.
- Discount fee: Charged per invoice or trade cycle rather than per year. A fee that looks small can annualise into a much larger number when cycles repeat through the year.
- Spread over prime: Quoted as a margin above the lender's prime rate, so the all-in cost moves with prime.
- Annual rate: Quoted as an annual rate on the outstanding balance.
Before acting on this list
Borrowing against revenue that has not stabilised is where smaller businesses most often get into difficulty. The relevant test is not whether a provider will advance the funds but whether the repayment schedule survives a normal bad month.
Caplift's assessment runs the same inputs a provider will — capacity, purpose, existing obligations, and the evidence behind the figures — and produces a readiness view and a structured comparison. It does not lend, and it does not decide. The decision stays with the business and its advisors.
Common questions
Questions businesses ask
What is the minimum revenue for business financing in the United States?
It varies by provider and product. 24 providers in this catalogue publish an annual revenue minimum of $250,000 or below. Others publish no revenue floor at all, which usually reflects case-by-case underwriting rather than an absence of expectations.
Does seasonal revenue affect eligibility?
It can. Providers generally assess whether repayment survives the weakest part of the cycle, not the average. Presenting a full seasonal cycle with an explanation of the pattern is more credible than presenting the strongest quarter, and it avoids a repayment schedule the business cannot sustain in its slow months.
Is revenue or profitability the binding test?
For most of the products compared here, revenue and cash flow matter more than accounting profit, because repayment comes from cash movement. Structures such as term debt weigh profitability more heavily. Which test binds depends on the product, and it is worth knowing before applying.
Does Caplift lend or receive a fee for these listings?
No. Caplift Financial Inc. is software and is not a lender. Providers are compared from published information, inclusion is not an endorsement or a recommendation, and appearing on this page does not indicate a commercial relationship with Caplift.
About this data, and its limits
- Figures are drawn from Caplift's Q1 2026 lender catalogue review and are indicative, not quotes. Curated from named US lenders; confirm individual terms before relying on them.
- 24 providers match this filter across 6 product types. Providers that publish no cost, and those that publish no criterion relevant to this filter, are not shown — absence here is not evidence about a provider either way.
- Inclusion is not an endorsement, a recommendation, or an offer, and does not indicate a commercial relationship with Caplift. Pricing and criteria change without notice — confirm current terms directly with the provider before relying on them.
- Caplift compiles this information to the best of its ability from publicly available provider material, but does not guarantee that it is accurate, complete, or current, and accepts no liability for decisions made in reliance on it. Figures may be out of date or incorrect. Verify anything you intend to act on directly with the provider.
- Caplift Financial Inc. is not a lender and does not approve, originate, or guarantee financing. Nothing on this page is legal, financial, tax, accounting, or investment advice, and it should not be treated as a substitute for advice from a qualified professional who knows your circumstances.