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A finance provider for software and subscription firms, offering a revolving credit line sized to recurring revenue and financing that software vendors offer their buyers.
Capchase scores 1.9 out of 5 (37 out of 100) in the Buckingham Intelligence Revenue-Based and Working Capital Finance Index 2026 and ranks 10 of 12. It is strongest for software and subscription firms wanting a revolving limit tied to recurring revenue, and its best criterion is product range at 3 out of 5. Not published or not stated on the pages read: eligibility, regulatory standing, published pricing and published eligibility.
Scores from the Revenue-Based and Working Capital Finance Index 2026.
No award in the Revenue-Based and Working Capital Finance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For online and retail brands | 38 | 10 of 12 |
| For software and subscription firms | 38 | 9 of 12 |
| For small businesses and merchants | 34 | 10 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Software and subscription firms wanting a revolving limit tied to recurring revenue.
What Capchase publishes on its own pages, read on 26 October 2026.
A finance provider for software and subscription firms, offering a revolving credit line sized to recurring revenue and financing that software vendors offer their buyers. It states SOC 2 Type II and no warrants. It does not publish prices, minimum revenue, named countries or any lending licence.
| Fact | What the provider publishes |
|---|---|
| Products | Capchase Grow: "A modern take on a revolving credit line"; Capchase Pay lets vendors offer buyers financing, with the seller choosing who covers interest. |
| Limits | "Access up to 60% of your future recurring revenue"; "Access the funding your business needs in as little as 48 hours." |
| Repayment | "Repayment terms of 3-24 months, depending on your needs"; "flexible repayment terms up to 24 months with interest-only options". |
| Borrower terms | "No hidden fees, warrants, covenants, or security interest"; "no dilution, ever"; the disclaimer refers to "collateral evaluation". |
| Eligibility | "Capchase Grow is a funding option for companies with recurring revenue"; "9 COUNTRIES", not named; no minimum revenue stated. |
| Regulatory standing | "Capchase is SOC 2 Type II certified." "Compliant with financial services regulatory requirements"; no licence named. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: capchase.com/Grow, capchase.com/lp/grow.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Revenue-Based and Working Capital Finance Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Clearco | 3.4 | 1 of 12 | US online brands with over $100,000 monthly revenue wanting clear borrower terms |
| iwoca | 3.1 | 2 of 12 | UK limited companies wanting a representative APR and money within hours |
| Bluevine | 3.0 | 3 of 12 | US companies with 12 months' trading wanting a line of credit next to a business account |
| Liberis | 2.9 | 4 of 12 | UK merchants wanting a published representative cost and a range of advance sizes |
| Wayflyer | 2.6 | 5 of 12 | Online and retail brands in 11 countries wanting a single fixed fee |
| Stripe Capital | 2.5 | 6 of 12 | Businesses already processing payments on Stripe in six countries |
| Lighter Capital | 2.2 | 7 of 12 | Software and technology firms in the US, Canada and Australia with $200,000 or more recurring revenue |
| Founderpath | 2.1 | 8 of 12 | Software firms with $1m to $3m recurring revenue wanting money within a day |
| Funding Societies | 1.9 | 9 of 12 | Small firms in Singapore and South East Asia wanting a range of unsecured loans |
| Fundbox | 1.4 | 11 of 12 | Platforms and small businesses in four countries wanting the widest product range |
| Shopify Capital | 1.1 | 12 of 12 | Shopify merchants in nine countries |
Full Revenue-Based and Working Capital Finance Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Capchase is compared with its alternatives in the table above.
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