What is Drip Capital?
Drip Capital offers fast, flexible working capital solutions designed specifically for growing U.S. businesses that need cash to keep operations running smoothly. Whether you're waiting on customer payments, need to pay suppliers quickly, or want a safety net for unexpected expenses, Drip Capital helps you unlock funds tied up in your day-to-day trade—without requiring real estate or equipment as collateral.
Unlike traditional banks that focus heavily on credit scores, Drip Capital evaluates your actual business performance, trade history, and invoice quality. With funding decisions in as little as 48 hours and access to cash within 24 hours after approval, it’s built for speed and simplicity—so you can seize opportunities, not miss them.
What are the features of Drip Capital?
- Vendor Financing: Drip pays your suppliers directly so you can preserve cash; repay in up to 90 days.
- Receivables Financing: Get cash for unpaid invoices in 24 hours instead of waiting 60–90 days for customer payment.
- Revolving Line of Credit: Draw funds as needed, repay, and reuse—ideal for ongoing or unpredictable expenses.
- No Collateral Required: Approval is based on your business activity, not hard assets like property or machinery.
- Fast 48-Hour Credit Decision: One-time underwriting gives you quick access to a credit facility up to $3 million.
- Global Vendor Payments: Pay international suppliers in any currency, simplifying cross-border trade.
- Dedicated Account Manager: Get personalized support from a real human who grows with your business.
- Scalable Credit Limits: Your available credit increases as your revenue and trade volume grow.
What are the use cases of Drip Capital?
- A seafood importer needs to pay overseas suppliers immediately to lock in low prices but won’t get paid by U.S. retailers for 75 days—uses Receivables Financing to bridge the gap.
- A wholesale distributor lands a large order but lacks the cash to buy inventory upfront—uses Vendor Financing to pay manufacturers now and repay later.
- A manufacturing business faces seasonal demand spikes and wants flexible access to working capital—uses a Line of Credit to cover payroll and materials during busy months.
- An agri-products company imports bulk goods and must pay customs duties quickly—draws from its revolving credit line to avoid delays.
- A consumer goods brand secures a major retail deal but needs to scale production fast—gets approved for $350K in under 48 hours to fulfill the order.
- A business expanding into Mexico uses Drip’s platform to manage cross-border payments and working capital across regions.
How to use Drip Capital?
- Complete Drip Capital’s brief online application with basic business and trade information.
- Connect your accounting or banking data (like QuickBooks or bank statements) to help underwriting assess your cash flow.
- Receive your credit decision within 48 hours—if approved, your credit line is ready to use.
- Choose your financing type: submit vendor bills for Vendor Financing, upload invoices for Receivables Financing, or draw from your Line of Credit.
- Funds are typically deposited within 24 hours of request.
- Repay on flexible terms (up to 90 days), and continue drawing as your business grows.
