Revenued

Best for: U.S. businesses (not sole proprietors) with a year of history and $20,000+ in monthly deposits whose credit is too weak for a bank line, and who want card or cash access within a day.

Not for: Owners who need cheap or long-term money, or whose sales swing week to week. Factor rates of 1.1 to 1.5 over 6 to 12 months equal roughly 19% to 174% APR, and fixed debits don't fall with revenue.

Lender List verdict: Revenued turns future sales into a spending card or cash draws fast, with no credit minimum and no annual or draw fees. It is still a merchant cash advance: a 1.3 factor repaid in six months costs about 109% APR, so use it for short gaps only.

Revenued at a glance

Revenued buys a share of a business's future receivables and lets it spend that money on a Visa card or draw it as cash.

What is Revenued?

Revenued is a sales-based financing company that says it has provided more than $4 billion to over 10,000 member businesses. Rather than lending, it buys a slice of your future receivables and hands you the price as card spending power or cash.

The Visa Commercial Card is issued by Sutton Bank, Member FDIC, but the financing comes from Revenued. Revenued lists offices in Coral Gables, Florida.

How the Revenued Business Card and Flex Line work

Revenued sets a limit from your deposits; each card purchase or Flex Line draw carries a fixed factor rate, repaid by automatic debits.

• Two ways to spend: the Visa card, or cash draws requested in the mobile app.
• Repayment: fixed daily or weekly ACH debits sized to projected sales.
• Limits move: your limit changes with business performance, up or down.
• Speed: a decision often within an hour, money within 24 hours.

Revenued rates and fees: what it really costs

Revenued doesn't publish pricing; four reviewers report factor rates of 1.1 to 1.5, so you repay $1.10 to $1.50 per dollar used.

• Charged: the factor cost on what you use; $35 a day for a low balance or a bounced payment (Nav, Bankrate); an undisclosed late fee
• Not charged: annual, monthly, application, origination or draw fees
• Early payoff: no penalty listed, but per UCS paying early doesn't cut the total owed
• Holdback: none; fixed daily or weekly debits replace a % of sales
• UCC lien: Revenued doesn't publish whether it files one; ask before signing

Worked example: draw $50,000 at a 1.3 factor rate and you owe $65,000. Repaid over 126 business-day debits (six months), that is $515.87 a day, about 109% APR. At 1.1 over 12 months it is about 19% APR; at 1.5 over six months, about 174%.

Revenued requirements

Revenued requires one year in business and $20,000 in monthly deposits, with no credit score minimum.

Revenued decides on bank deposits and cash flow, and reports to Dun & Bradstreet rather than the consumer bureaus (UCS).

Merchant cash advance rules that protect you

Revenued LLC appeared on the Virginia State Corporation Commission's sales-based financing registrant list dated June 27, 2024.

Law firm Venable counts ten states with commercial financing disclosure rules: California, Connecticut, Florida, Georgia, Kansas, Missouri, New York, Texas, Utah and Virginia; there, ask for the written disclosure. Revenued's public terms are silent on confessions of judgment, stacking and reconciliation, so check the contract.

Pros and cons

Revenued's strengths are speed and access for weaker credit; its weakness is MCA-level cost.

Pros

• No credit score minimum and no hard pull to apply
• Funds within 24 hours
• Card spending plus cash draws from one limit
• No annual, application or draw fees
• 4.6/5 on Trustpilot from 1,191 reviews

Cons

• Can exceed 100% APR on six-month terms
• No price, limit or term published
• Fixed debits; a slow week can bounce a payment and trigger $35 daily fees
• Early payoff saves nothing (UCS)
• No rewards; sole proprietors ineligible

Revenued vs. Fundbox vs. National Funding

Revenued's reported maximums of $500,000 (Nav) to $2 million (Merchant Maverick) top Fundbox's $150,000, but its factor pricing usually costs more.

Fundbox and National Funding figures are from their sites and Bankrate, checked 2026-10-26.

Choose Revenued if credit is your obstacle. Choose Fundbox with 600+ credit for cheaper short draws. Choose National Funding for a lump sum with a possible early payoff discount.

Revenued alternatives on Lender List

The closest Revenued alternatives are Fundbox and National Funding; OnDeck and Bluevine suit stronger credit.

• Fundbox — revolving line, fees waived on early payoff
• National Funding — working capital advances up to $500,000
• OnDeck — term loans and lines with published average APRs
• Bluevine — line of credit up to $250,000 at 625+ FICO
• Browse all merchant cash advance and business credit and charge cards on Lender List

Frequently asked questions about Revenued

Revenued is an active merchant cash advance funder with factor rates of 1.1 to 1.5.

Is Revenued Legit? Yes. Revenued has had the same CEO since 2015, reports over $4 billion provided, and was on Virginia's 2024 sales-based financing registrant list. It scores 4.6/5 on Trustpilot (1,191 reviews) and BBB A+ per Merchant Maverick, though Bankrate rates it 2.7/5. We found no attorney general action naming it.

What Is the Revenued Business Card Credit Limit? Revenued doesn't publish one; your limit depends on deposit volume and moves with sales. Reviewers report different ceilings: Nav says up to $500,000, United Capital Source $1 million and Merchant Maverick $2 million. Since it is a receivables purchase, it is a spending limit rather than a credit limit.

What Are the Revenued Business Card Requirements? You need a U.S. business that is not a sole proprietorship, one year in operation, a separate business checking account and at least $20,000 in monthly deposits. Reviewers add a $1,000 average daily balance and no more than three negative-balance days a month. There is no minimum credit score.

Is the Revenued Flex Line a Line of Credit? No. The Flex Line works like a line of credit, letting you request cash draws in the app up to your limit, but each draw is a purchase of future receivables priced with a factor rate. Nav and Bankrate put the charge at 10% to 50% of the amount drawn.

Is Revenued a Direct Lender or a Broker? Revenued is a direct funder, not a broker: it buys receivables itself through affiliated companies and describes the service as a purchase of future receivables, not a loan or credit card, which works like a merchant cash advance. It accepts deals from ISO, affiliate and CPA partners, so a broker may introduce you.

Is Revenued a Loan or a Merchant Cash Advance? It is a merchant cash advance in practice. Revenued says its service is a purchase of future receivables and not a credit card or a loan, so it prices with a factor rate rather than interest and quotes no APR. Our estimate for 1.1 to 1.5 factors over 6 to 12 months is about 19% to 174%.

What Happens If My Sales Drop? Your fixed daily or weekly debit stays the same, so a slow stretch can cause a bounced payment and $35-a-day fees. United Capital Source notes Revenued may also lower your limit when sales fall. Revenued does not publish a reconciliation process, so ask in writing how it adjusts payments.

Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.