AMERICA'S TRUSTED B2B WORKING CAPITAL LENDER
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.
No application fee · No collateral · Decision in 24 hours
See if you qualify in 4 questions. No commitment.
24 Hours
Credit decision turnaround
Pay Any Vendor
Globally, in any currency
11,000+
Businesses funded
$9B+
in trade transactions financed
11,000+
SMBs served across the US
130–190%
avg. annual revenue growth
BACKED BY THE BEST
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 decision in 24 hours. Once approved, funds reach your account or your vendor fast.
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.
Pay Vendors on Time, Every Time
Maintain your vendor relationships and negotiate better terms. Drip ensures you always pay on time, building trust and loyalty.
CUSTOMER STORIES
Businesses that scaled with Drip Capital.
SEAFOOD DISTRIBUTION
Pacific Seafood Co. scaled import volume by 80%
A leading seafood importer used Drip Capital's Vendor Financing to extend vendor payment terms, freeing up $3M+ in working capital and enabling rapid expansion.
$3M+
Capital Unlocked
80%+
Volume Growth
Apparel brand doubled revenue in 18 months
A mid-sized apparel brand leveraged Drip Capital's Receivables Financing to stop waiting on net-60 invoices, accelerating cash flow and doubling production capacity.
$1M+
Invoices Accelerated
2x
Revenue Growth
CONSUMER GOODS
CUSTOMER REVIEWS
Don't just take
our word for it.
Businesses across the US trust Drip Capital to keep their working capital moving.
Incredibly easy and smooth process
Incredibly easy and smooth process, highly recommend. The team was responsive from day one and funding was faster than any bank I've worked with.
Marcus R.
CEO, Seafood Importing
A real partner, not just a lender
Unlike traditional banks, Drip understood our business. Approved in 24 hours, no collateral, and a credit line that actually grows with us.
Jennifer P.
CFO, Wholesale Distribution
Fast, transparent, no surprises
No hidden fees, fast turnaround. We've been a Drip Capital customer for 3 years and they've been a true partner in our growth.
Amir S.
Owner, Manufacturing
Helped us scale when it mattered most
We needed to fulfill a large order fast. Drip stepped in within 24 hours. We grew 40% that year. That wouldn't have happened without them.
Sara C.
Founder, Consumer Goods
FAQ
Common questions about working capital financing.
Most businesses receive a credit decision within 48 hours of completing the application.
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.
Vendor Financing: we pay your vendors and you repay us on extended terms (up to 90 days). Receivables Financing lets us accelerate payment on your outstanding invoices. Line of Credit is a revolving facility you can draw from at any time for any business purpose.
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.
GET STARTED TODAY
Ready to power your business?
Join 11,000+ businesses that trust Drip Capital for their working capital needs. Fast approval, no collateral, flexible terms.
© 2026 Drip Capital Inc. All rights reserved.
Backed by:
Accel · Barclays · East West Bank · IFC · World Bank · Sequoia · Y Combinator
