Market InsightWhat Will Make Christmas Shoppers Buy From You Instead Of A Cheaper Competitor?
Price isn't the only thing Christmas shoppers weigh. Here's how small retailers can win the sale without discounting everything.
Read moreAmerica's Trusted B2B Working Capital Lender
Capital that helps
Capital that helps
your business grow faster
✦ |
We fund your business up to $3M. One-time credit decision within 48 hours, then transactions are processed in 24 hours.
++++++++++++++++++++
++++++++++++++++
Credit limit increased Credit facility available $350,000 Up to $3M
from Drip Capital Decision within 48 hours
Your Invoices
Invoice 1 $140,000 GET FUNDED
Invoice 2 $210,000 GET FUNDED
Invoice 3 $190,000 GET FUNDED
Invoice 4 $70,000 GET FUNDED
Your credit
request was
approved!
request was
approved!
Your credit line of
$350,000 is available in
your account.
$350,000 is available in
your account.
Accept offer
Our funding partners
Our Products
Three ways to unlock
Three ways to unlock
the capital you need
01
Vendor Financing
We pay your vendors. Repay us later.
We pay your vendors on your behalf so you preserve cash and keep orders moving. You repay us in up to 90 days.
Learn More →02
Receivables Financing
Unlock cash tied up in unpaid invoices.
We advance cash on your unpaid invoices today, instead of you having to wait 60–90 days for your customer to pay.
Learn More →03
Line of Credit
Flexible capital, on demand.
A revolving credit line for any business need. Draw what you need, repay, and draw again. Capital that moves with you.
Learn More →The Process
How We Work With You
A one-time credit decision within 48 hours. After that, funding in 24 hours — every time.
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
Your credit decision takes just 48 hours. After that, you get access to cash in 24 hours, every single time.
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.
Customer Reviews
Don't just take
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.
MR
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.
JP
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.
AS
Amir S.
Owner, Manufacturing
Helped us scale when it mattered most
We needed to fulfil a large order fast. Drip stepped in within 24 hours. We grew 40% that year. That wouldn't have happened without them.
SC
Sarah C.
Founder, Consumer Goods
Best financing experience I've had
Timing and supply consistency are everything in our industry. Drip let us secure bulk materials when prices were right, without locking up cash.
MG
Maria G.
CEO, Seafood Distribution
Simple, fast and professional
The application took minutes. Decision came in under 24 hours. Our dedicated account manager has been outstanding, responsive and proactive.
DK
David K.
VP Finance, Consumer Goods
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.
MR
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.
JP
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.
AS
Amir S.
Owner, Manufacturing
Helped us scale when it mattered most
We needed to fulfil a large order fast. Drip stepped in within 24 hours. We grew 40% that year. That wouldn't have happened without them.
SC
Sarah C.
Founder, Consumer Goods
Best financing experience I've had
Timing and supply consistency are everything in our industry. Drip let us secure bulk materials when prices were right, without locking up cash.
MG
Maria G.
CEO, Seafood Distribution
Simple, fast and professional
The application took minutes. Decision came in under 24 hours. Our dedicated account manager has been outstanding, responsive and proactive.
DK
David K.
VP Finance, Consumer Goods
FAQ
Common questions about working capital financing
Can't find what you're looking for?
Talk to Our Team →We work with all kinds of product and service businesses, including manufacturers, wholesalers, and distributors. We look at your business performance and trade history, not just your credit score.
Your credit decision comes within 48 hours of completing the application. After that, every invoice you fund or draw you take is funded within 24 hours.
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; you repay us in up to 90 days.
- Receivables Financing — we advance cash on your unpaid invoices; your customer pays us later.
- Line of Credit — a revolving facility you draw from anytime, for any 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.
Latest from Drip Capital
Market insights
Market InsightMarket Insight August 20, 2026
Why Apparel Businesses Take Their Most Expensive Loans Before Their Best Sales Months
Apparel businesses pay for peak-season inventory long before their customers pay them. This piece follows a single order from deposit to payment to show where the gap opens, why traditional facilities cover less of it than owners expect, and what filling it in a hurry actually costs.
Read moreMarket Insight August 13, 2026
Tariff Refund Guide: How to Claim Yours Through CBP CAPE
A step-by-step guide to filing a CAPE Declaration and claiming your IEEPA tariff refund, plus how to bridge the 60-90 day wait with financing.
Read more