These get conflated constantly. An advance buys a slice of future revenue; a working capital loan is debt with a defined balance. The practical difference shows up in how a slow month feels.
| Revenue-based advance | Working capital loan | |
|---|---|---|
| Structure | Purchase of future receivables | Loan with a fixed payback amount |
| Speed | Same day – 48 hours | 1–3 business days |
| Credit needed | 500+ | 550+ |
| Payment in a slow month | Falls with sales, if it is a true percentage split | Stays the same |
| Cost | Highest of the two | High, but usually below an advance |
| Typical amount | $5K – $1M | $10K – $2M |
| Best use | Emergencies, thin credit, card-heavy revenue | Payroll, inventory, defined short-term need |
Take the advance only when speed or credit rules out everything else — and never take a second one before asking for a consolidation model. A working capital loan is usually the cheaper version of the same solution.
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