Capital that helps your business grow faster.
No collateral, no delays. Capital that moves as fast as your ambition. Our customers grow 130–190% in annual revenue after funding.
Your Invoices
| Invoice | Amount | Status |
|---|---|---|
| Invoice 1 | U$140,000 | GET FUNDED |
| Invoice 2 | U$210,000 | GET FUNDED |
| Invoice 3 | U$190,000 | GET FUNDED |
| Invoice 4 | U$70,000 | GET FUNDED |
Your Credit
Your credit request was approved! Your credit line of $230,000 is available in your account.
- 48 Hours: Credit decision turnaround
- Up to $3M: Credit facility per business
- Pay Any Vendor: Globally, in any currency
11,000+ Businesses funded
$9B+ in capital deployed to growing businesses
130–190% avg. annual revenue growth
Our Products
Three ways to unlock the capital you need.
Vendor Financing
Pay vendors upfront. Repay us later.
We pay your vendors today so you preserve cash and keep orders moving. You repay on flexible terms, up to 90 days.
- No collateral required
- 48-hour credit decision
- Up to 90-day repayment terms
- Dedicated account manager
Receivables Financing
Get paid today. Not in 60 days.
Stop waiting 60–90 days for customer payments. Convert your outstanding invoices into same-day cash and reduce DSO instantly.
- Funded in 24 hours
- Improve days sales outstanding
- Non-dilutive financing
- Repaid when your buyer pays
Line of Credit
Flexible capital, on demand.
A revolving credit facility for any business need. Draw what you need, repay, and draw again. Capital that moves with you.
- On-demand access to capital
- Only pay for what you draw
- Grows with your business
- No bank deposit requirement
The Process
How Drip Capital works
From application to funding in as little as 24 hours.
Apply & Connect
Complete a brief online application. We'll review your trade data and business activity to assess your business, not just your credit score.
Underwriting & Funding
Our proprietary underwriting model gives you a credit decision in 48 hours. Once approved, funds reach your account or your vendor in 24 hours.
A Partner, Not Just a Lender
Your dedicated account manager is with you every step of the way. As your business grows, your credit facility grows with you.
Use Cases
Real problems. Real solutions.
Bridge the Vendor-Customer Gap
You buy from vendors today but don't get paid by customers for 60–90 days. Vendor Financing bridges that gap so you never have to pause orders.
Fulfill a Large Order Without Draining Reserves
Land a big contract but don't have the inventory capital? Access the working capital you need to fulfill the order and grow.
Capital Ready for Any Business Need
Cover payroll, inventory, marketing, equipment, or seasonal cash gaps. Draw from a revolving credit line whenever you need it and repay over 6 months.
FAQ
Common questions about working capital financing.
What types of businesses qualify for Drip Capital?
We specialize in working capital solutions for growing businesses, including importers, exporters, manufacturers, wholesalers, and distributors. We look at your business performance and trade history, not just your credit score.
How long does the approval process take?
Most businesses receive a credit decision within 48 hours of completing the application.
Do I need to provide collateral?
No. Drip Capital does not require hard asset collateral like real estate or equipment. Our underwriting is based on your business's trade performance, receivables quality, and financial health.
How much can I borrow?
Credit facilities typically range from $50,000 to $3 million, depending on your business size, revenue, and trade activity. Your facility grows as your business grows. We regularly review and increase limits for active customers.