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Revenued Review

Reviews 707
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Reviews 707
Kale Havervold
Feb. 29, 2024
4 min read
Kale Havervold
Revenued Summary
Revenued has a unique approach to helping businesses. Instead of a loan, the company utilizes revenue-based financing to provide businesses with a flex line and business card. This provides flexibility and gives your business adaptability as your needs change. You can access funds on demand, similar to a line of credit, and pay for only what you use. Applying is quick and easy, and you can do it 100% online. Approval decisions are also quick.


  • No annual fee, no draw fee, no application fee
  • No minimum credit score required
  • Revolving flex line, similar to a line of credit
  • Pay for only what you use


  • Flex line factor rate can be expensive
  • Substantial business revenue required

Revenued at a glance

Editorial score

Online experience

Has learning resources, access to rates, mobile app

Customer services and support

Multiple ways of reaching lender, wide range of hours

Variety of loan types

Niche lender

Loan amount range

Loan amount up to $1M


Loans available to most credit types, revenue levels, and businesses

Revenued Revenued Visit Revenued


Revenued aims to help businesses get quick and easy access to funding—but it’s not your typical business financing tool. Instead of providing a loan or a line of credit, it offers a flexible spending line paired with a business card.

Approvals and borrowing amounts are based on your business performance and finances (not credit) and, instead of an interest rate, Revenued charges you based on a factor rate every time you draw funds or use the card. In addition, there are no monthly or annual fees.

Why Revenued Is Good For Your Business

Revenued is great for businesses with questionable or even no credit history, or those who have limited financing options. This is because it uses business performance and revenue, not credit, to approve or deny applicants. 

Revenued can often help low-credit companies get access to much more funding than they would get via traditional methods, too. It’s also good for businesses that need quick access to cash and don’t have the time to wait. 

Revenued Features

There are several features that help make Revenued a popular choice for businesses. Unlike a traditional loan or MCA where the entire loan is dispersed as a lump sum, Revenued gives businesses the flexibility to access funds as needed and on demand and pay for only what is used.  For the business card, it has no annual or monthly fee, and no application fee. A few other features worth mentioning include the following:

  • Fast and easy application process

  • Online dashboard to visualize and manage your spending

  • Spending limits that grow with your business

  • Helpful customer service and quick response times

  • Your performance with Revenued is reported to business credit bureaus to help build your business credit profile build your business SBFE score

Application Process

The application process is straightforward and begins with entering your email. Next, you provide some basic contact information and answer a few questions to ensure you qualify for the flex line and card. This includes making sure your business is US-based, and you have a separate business bank account.

Following that, you need to provide information about your business and its ownership. After you e-sign and connect your bank account, there may be a request for additional documentation. Once you complete the form and apply, it’s possible that you’ll receive a decision in as little as an hour, but certainly within 24 hours.

How Much Financing Can You Access? 

The amount of funding you can access depends on the current performance of your business, namely your business’ monthly revenue and business checking account deposit volume. As your business grows and your revenue increases, a higher spending limit may be offered by Revenued.

To qualify for a Revenued flex line and business card, you need to:

  • Be a US-based business

  • Have a separate business bank checking account

  • Have monthly sales of at least $20,000

  • Keep a daily business bank account balance of $1,000

  • Have been operating for at least one year

  • Not be a sole proprietorship

  • Run a business that isn’t in the financial sector

Terms and Factor Rate

The terms and factor rate vary business by business, and unlike a credit car which offers monthly payments, Revenued’s collection of future receivables will either be done a daily or weekly basis. 

When you apply, an underwriter will review your application and determine your terms, as well as your factor rate. Revenued uses this instead of an interest rate to charge its customers.

Factor rates typically  range from 1.21x  to 1.49x . These rates/fees are impossible to avoid, and you cannot escape them like you can with the grace period of a traditional credit card. You can , however, save on the cost of capital by utilizing Revenued’s PayNow feature by paying more in less time than agreed to.

For example, let’s say you make a $3,000 purchase on your Revenued card, and you have a factor rate of 1.2. You’ll need to repay the $3,000, as well as a charge of $600 for the purchase.

How Safe Is It? 

Revenued is a reputable company with its team having nearly a decade or experience in the financial technology space. It has solid customer feedback, including a rating of 4.6 out of five stars on Trustpilot (based on over 500 reviews). 

Revenued takes your security seriously, using SSL encryption on its site to protect you. It also secures all sensitive data in a safe off-site environment. The company controls access to all system information and uses session time-outs to keep accounts safe. 

The company also has a detailed privacy policy that goes through the type of information the company collects, what it uses it for, where and why it shares it, and more. It also covers ways that you can keep your account even more secure, such as using a strong password and watching out for phishing. The Reveneud application process has been vetted and backed by Truste.

Help and Support

There are several ways to reach out to Revenued for assistance. You can give the company a call at 877-662-3489, or leave a message via an online form and hear back within 24 hours. Feel free to email the support team directly at customerservice@revenued.com.

The company website also includes a helpful blog full of information about business finances, how to improve your business credit, how to choose the right business banking options, and much more.


Revenued’s approach is certainly unique, providing a helpful service for businesses with low personal credit scores that need funds fast. From the quick application process to the non-existent minimum credit score, there’s a lot to like about Revenued. The factor rates can be high, but the lack of an annual fee can help to offset this cost a little.

Physical Address

525 Washington Blvd Suite 3300, Jersey City, NJ 07310-2606

Revenued Revenued Visit Revenued


This review was created with information from the company website and Trustpilot reviews.

Kale Havervold
Written by
Kale Havervold
Kale Haverold is a freelance writer with over 5 years of experience crafting articles about credit cards, loans, debt, and a raft of other personal finance topics. His work has been featured on Top10.com, BestMoney, Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles stem from his passion to share knowledge that helps readers make informed financial decisions.
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