Drip Capital

Drip Capital provides collateral-free working capital financing to small and mid-sized product and service businesses, including exporters and importers, addressing the gap between paying vendors or waiting on unpaid invoices and having cash on hand. The company underwrites based on trade performance and receivables quality rather than requiring hard asset collateral, with a one-time credit decision within 48 hours and subsequent funding within 24 hours.

Its three products are Vendor Financing, which pays vendors on the business's behalf with repayment in up to 90 days; Receivables Financing, which advances cash against unpaid invoices; and a revolving Line of Credit that can be drawn, repaid, and redrawn as needed. Credit facilities typically range from $50,000 to $3 million and are reviewed and increased for active customers. The company serves businesses across manufacturing, wholesale distribution, food and beverage, consumer goods, and SaaS and services, operating in the US, India, and Mexico.

Drip Capital is aimed at businesses with $2M+ in annual revenue seeking fast access to working capital. Applications are submitted online, and each customer works with a dedicated account manager. The pages do not describe free plans, trials, or seat-based editions; financing is arranged directly with the company.