Revenued Business Card review: Alternative financing for so-so credit

Revenued Business Card at a glance

Here’s a quick snapshot of Revenued credit card basics: 

What is Revenued?

Revenued is a U.S.-based financing company headquartered in Coral Gables, Florida. It’s owned by Five Hole LLC, which is backed by Capital Z Partners, a private equity firm focused on financial services companies. 

It offers the Revenued Business Card, which you can use to make purchases just like you would with a business credit or debit card. Although it uses the Visa® payment network, the Revenued Business Card is structured as a revenue-based financing product and does not function like a traditional revolving credit card.

Tied to the card is a more versatile funding option called the Revenued Flex Line, which gives you access to cash when you need it. Revenued funding is based primarily on your business revenue and cash flow — not your personal credit score. 

Revenued reviews on platforms such as Google and TrustPilot are generally positive, with users highlighting its straightforward application process, fast funding, and excellent customer service. Note that online reviews reflect individual experiences and may not represent typical results.

How the Revenued Business Card works

The Revenued Business Card functions like a spending card tied to a revenue-based financing arrangement, with repayment via automatic daily withdrawals.

Similar to an MCA funding model, your Revenued Business Card credit limit is like an advance against your future sales. Repayment occurs automatically via daily withdrawals from your connected business bank account. 

Instead of charging interest, each purchase is priced using a factor rate (typically 1.1 to 1.5). Think of a factor rate as a ratio that determines the total amount you’ll need to pay back — for example, if you borrowed $1,000 at a factor rate of 1.1, you’d owe a total of $1,100 ($1,000 x 1.1). At a factor rate of 1.5, your total repayment would be $1,500 ($1,000 x 1.5). There’s no revolving balance and no traditional interest charges.

In simple terms:

• You make a purchase
• Revenued applies a fixed multiplier (the factor rate)
• The total repayment amount is set upfront
• Daily payments are automatically deducted from your business bank account

Spending limit

Your Revenued Business Card credit limit is based on your revenue and banking activity — not your personal FICO score. 

A few things to know:

• Limits are tailored to your business performance — you could be approved for up to $500,000. Approval amounts vary based on revenue and business performance.
• If your revenue grows, you may be able to request a higher limit
• Your available funding may adjust based on cash flow trends

How much it costs

A factor rate is a fixed multiplier applied to what you borrow. Instead of charging interest over time as traditional credit cards do, Revenued multiplies your purchase by a factor rate (often between 1.1 and 1.5) to determine your total repayment amount.

Here’s an example:

• You spend $2,000
• Factor rate: 1.3
• Total repayment: $2,600

That means you repay $600 in financing costs, plus the original $2,000 you borrowed. It doesn’t matter whether repayment takes 30 days or several months — the total amount is fixed upfront. That predictability can help with planning, but it also means the effective cost can be higher than with traditional credit cards.

Revenued determines your factor rate by looking at your business details, including:

• How long you’ve been in business: Older, established businesses may qualify for a lower factor rate. 
• Consistent revenue: Stable month-to-month revenue can improve your chances of a lower factor rate.
• Sales: Higher revenue could also get you a lower factor rate.

Fees and rates

While the Revenued card is light on fees, note that if your bank balance falls below a set threshold during repayment, daily low-balance fees may apply — so cash flow management is key.

How repayment works

With this card, repayment is based on your future sales — similar to how an MCA works. After you make a purchase with the Revenued Business Card, you can log into your merchant portal to see what you spent and exactly how much will be withdrawn each day.

Payments are automatically pulled from your connected business bank account daily, based on your projected sales. That means it’s important that your actual sales align with the forecast. If your account balance is insufficient and a payment bounces, Revenued may charge a $35 fee per day.

If your sales start coming in lower than expected, it’s a good idea to contact customer service right away. They may be able to adjust your daily payment amount to better match your cash flow.

Where this card fits among revenue-based business credit cards

Among revenue-based business credit cards, the Revenued credit card is one of the more straightforward options. While traditional business credit cards let you carry a balance, pay interest (APR), and potentially receive rewards and perks, Revenued’s funding is different.

With the Revenued card, you can’t revolve a balance. Instead, you repay through automatic daily payments, and pricing is based on a factor rate — not interest. It’s designed primarily for access to capital rather than everyday credit card perks. 

Pros and cons

What Revenued offers small-business owners

The Revenued Business Card and Flex Line offer businesses that may not qualify for traditional financing an alternative to traditional small business loans, credit cards, or lines of credit. 

Eligibility not based on credit score

One of the biggest highlights in Revenued Business Card reviews is that eligibility for the card is primarily based on revenue and bank activity (credit score may be less central than with traditional cards).Instead, Revenued evaluates your revenue, cash flow patterns, and banking activity when deciding on your application, and it may underwrite companies with lower revenue and limited operating history.

If your business is strong but your credit isn't perfect, this could be an appealing funding source, especially when traditional credit cards and bank loans aren’t available.

Access to a credit line

The Revenued Flex Line, sometimes described as a Revenued line of credit, is a revenue-based funding line that works alongside the card. Similar to a traditional line of credit, it lets you draw funds as needed up to your limit and repay at a fixed rate based solely on your use. This feature is useful for expenses you can’t pay with a credit or debit card.

Here’s how it works:

• You’re approved for a funding amount
• You draw funds when needed
• You pay a factor rate only on what you borrow

Cash withdrawn from your Flex Line is deposited into your business bank account within 24 hours. That speed and flexibility can help you manage short-term cash flow gaps.

Repay using factor rates, not interest

Instead of charging interest, Revenued uses factor rates, as with other MCAs. That means your total repayment amount is determined upfront, which makes the math simple. But it also means you should compare costs carefully before moving forward.

One advantage of the Flex Line is that you’ll only pay the factor rate on the amounts you borrow — not your entire spending limit, as many MCAs charge. We’ll explain how factor rates work in more detail below.

Does my business qualify for the Revenued Credit Card?

You may qualify for the Revenued Card even if you don’t have a strong business credit profile. However, your business must be U.S.-based and meet minimum operational and revenue criteria.

Qualification requirements

Revenued Business Card requirements can be hard to meet if your business is small or newer. Sole proprietorships aren’t eligible. To qualify, your business generally must:

• Operate in the U.S.
• Have at least one year in business operation (no startups)
• Generate at least $20,000 in monthly sales
• Connect a business checking account (no personal accounts)
• Have no more than three negative balance days in one month
  

You’ll also need to maintain a daily bank account balance of at least $1,000 and responsible bank activity to keep your account active.

How to apply for the Revenued Business Credit Card

The application process for the Revenued Business Card is fully online and relatively quick — approval can take as little as an hour. Here are the steps to apply:

1. Provide basic business information (name, contact information, nature of business, ownership, and other details). 
2. Connect your business bank account using Plaid, a secure platform.
3. Allow Revenued to review your banking and revenue activity.
4. Submit a copy of your driver’s license and a voided check from your business bank account (for underwriting purposes).
5. If approved, review your offer and accept the terms.

Because underwriting is revenue-based, decisions can move faster than traditional credit card approvals.

Finance charges on $1,000 Revenued Card + Flex Line purchase

To see how factor rates impact borrowing costs, here’s an example using a $1,000 purchase. Approximate finance charge per day. Because factor-rate financing does not use APR, these examples are for illustration only and are not directly comparable to traditional loan APR calculations.

Finance charge comparison table

Even though the total finance charge remains the same, shorter repayment terms result in larger daily withdrawals.

Nav’s verdict

The Revenued Business Card is a compelling option if your credit is less than perfect, and customer reviews are mostly positive — but it isn’t right for every owner. Its factor-rate pricing could be more expensive than traditional business lending products, especially for shorter payback terms.

Here’s what to consider when deciding if it’s a good fit for your business.

Revenued is best for:

• Businesses with steady revenue but weaker credit.
• Owners who want fast, revenue-based approval.
• Companies that are comfortable with daily automatic payments.

Revenued isn’t ideal for:

• Businesses seeking traditional revolving credit.
• Owners who want to earn cash back, points, or other rewards.
• Companies with inconsistent or tight cash flow.
• Those sensitive to potentially high effective financing costs.

The Revenued Business Card can provide access to funding when you can’t qualify for traditional bank loans or business credit cards. Just be sure you’re comfortable with factor-rate pricing and daily repayment before signing up.

Frequently asked questions