Performance Based Small Business Capital
Revenued is a fintech company that specializes in providing flexible working capital to small and midsize businesses that may not qualify for traditional bank loans or business credit cards. Instead of focusing primarily on the owner’s personal credit score, Revenued evaluates real business performance and revenue. This approach can be especially helpful for newer businesses, owners with less‑than‑perfect credit, or companies experiencing seasonal or inconsistent cash flow.
Revenue-Based Financing and Business Card
Revenued’s core product combines a business card with revenue-based financing it calls a Flex Line. Rather than fixed monthly payments, repayment is typically tied to a percentage of future sales. This funding model can be more adaptable than a conventional term loan, since payments naturally adjust in slower or busier periods. For many small businesses, this can improve cash flow management and reduce stress during downturns. Revenued does not charge origination, maintenance, or draw fees, and your credit limits grow with your revenue.
The Revenued Business Card has no hard credit pull, focuses on your company’s revenue, and is designed for daily business expenses such as inventory, marketing, or payroll. This can be a strong solution for business owners who have been declined by banks but still need access to fast working capital.
Application Process and Transparency
Revenued’s online application can be completed in just a few minutes and typically requires far less documentation than most traditional lenders. Applicants may receive a funding decision in as little as an hour, and there’s no hard pull on your personal credit. If approved, you’ll get access to a secure online dashboard and often can start using your funds within 24 hours. You’re also assigned a dedicated Account Manager to help you understand your terms, optimize your spending, and make the most of your Revenued account—streamlining both setup and ongoing account management.
Cons of Using Revenued
Revenued’s business financing can be more expensive than traditional bank or SBA loans, since it often uses factor rates and short-term structures that raise the effective cost. Repayments tied to daily or frequent revenue can strain cash flow if margins are thin, and the non-traditional fee structure may be confusing for owners used to standard interest rates. It’s primarily suited for short-term working capital, so using it for long-term projects can be costly. Additionally, businesses with strong credit may find cheaper options elsewhere.
Conclusion: Is Revenued Right for Your Business?
Overall, Revenued is a strong funding option for small and midsize businesses that struggle to qualify for traditional business loans or credit cards. Its revenue-based model, focus on real business performance instead of personal credit, and fast online application make it especially appealing for newer companies, seasonal businesses, and owners with challenged credit. However, as with most alternative financing, the cost can be higher than bank or SBA loans, so it’s important to compare total funding costs and ensure the structure fits your margins and cash flow. If speed, flexibility, and accessibility matter more to you than securing the very lowest rate, Revenued can be a practical and strategic tool for accessing working capital and supporting business growth.