Drip Capital
- Company typePrivate
- Founded2016
- HeadquartersPalo Alto, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Drip Capital firmographics
Firmographics- Name
- Drip Capital
- Legal name
- Drip Capital Inc.
- Website
- https://www.dripcapital.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Drip Capital industry classification
Industry- Product category
- Trade Finance / Working Capital Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Collateral-Based Lines of Credit (Secured Revolving) (FSAKALAH)
- akta.pro secondary industries
- Cash Advance (Online & Storefront) (FSAKAMAC), Third-Party POS Installment Financing Platforms (FSAKAFAB)
Keywords
Where Drip Capital is headquartered
LocationHeadquarters
- HQ city
- Palo Alto
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Drip Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- Vendor Financing Fees: Drip Capital pays vendors upfront on behalf of businesses and charges fees for the extended payment terms (up to 90 days). Revenue is generated through transaction-based fees on each vendor financing transaction.
- Receivables Financing / Invoice Discounting: The company advances cash against unpaid invoices and collects a small fee when customers pay on their normal terms. Revenue is generated through fees on each invoice financed, with typical funding of $50,000 to $3 million per business.
- Revolving Line of Credit Interest: Flexible revolving credit facility where businesses draw funds as needed and repay in 6 equal monthly installments. Interest accrues only on outstanding drawn balances, generating recurring interest income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Vendor Financing - Pay vendors now, repay in 90 days |
| Transaction based/ take rate | Pay-as-you-go | Receivables Financing - Convert invoices to cash in 24 hours |
| Subscription | Monthly | Line of Credit - Revolving credit facility |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Drip Capital product offering
Product offeringCore offering
Drip Capital is a digital trade-finance platform that provides collateral-free working capital to small and medium businesses engaged in domestic and cross-border trade. Its three core products — Vendor Financing (pay suppliers now, repay within up to 90 days), Receivables Financing (advance cash against unpaid invoices within 24 hours), and a revolving Line of Credit repaid in six equal monthly installments — are underwritten by AI/ML models trained on a decade of cross-border trade data and delivered via a self-service web portal.
Product overview
Drip Capital is a digital trade finance platform offering a portfolio of three integrated working capital products—Vendor Financing, Receivables Financing, and Line of Credit—designed to address different cash flow constraints in the trade cycle. Vendor Financing addresses the gap between paying suppliers and receiving customer payment; Receivables Financing unlocks cash tied in unpaid invoices; and the Line of Credit provides flexible, revolving capital for any business need. The company also provides free trade-related tools (HTS Code Lookup, Customs Duty Calculator, Working Capital Calculator) as customer acquisition and education resources. The platform serves SMBs in manufacturing, wholesale, food & beverage, consumer goods, and SaaS & services sectors across the US, India, and Mexico.
Differentiator
Problem solved
Functional benefit
Products and services
- Vendor Financing Short-term working-capital solution in which Drip Capital pays the borrower's vendors/suppliers upfront; the business repays Drip Capital within up to 90 days. Designed for importers, wholesalers, distributors, and manufacturers to preserve cash and keep orders moving. Funded in 24 hours after a one-time 48-hour credit decision, with no collateral required; facility sizes from $50K to $3M per business.
- Receivables Financing Invoice-discounting product that advances cash against unpaid customer invoices within 24 hours, allowing SMBs to receive payment immediately instead of waiting 60–90 days. The invoices themselves serve as collateral; funding sizes range from $50K to $3M per business, with borrowers typically required to have $1M+ in annual revenue and their enterprise buyers $1Bn+ in annual revenue.
- Line of Credit Revolving working-capital facility that provides on-demand access to capital for US SMBs. Businesses draw funds as needed, repay each draw in six equal monthly installments, and the credit line replenishes as they repay. Interest accrues only on the outstanding drawn balance; no commitment fees on unused credit; facility sizes from $50K to $3M (with typical draw limits up to $1M). Launched for US businesses in November 2025.
Quantifiable outcome
- 48-hour credit decisions vs 6+ weeks for traditional banks
- +6 more outcomes
Companies that use Drip Capital
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles3 records
Drip Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
Drip Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- YES BANKcorePartnership announced at GTR India 2026 to improve access to trade finance for MSMEs in India. Collaboration combines Drip Capital's digital trade finance platform and digital underwriting capabilities with YES BANK's banking infrastructure and client network. Aims to offer faster credit approvals, simplified documentation, and improved liquidity for underserved MSMEs engaged in international trade.
- Government of MaharashtracoreMemorandum of Understanding signed at World Economic Forum in Davos, committing Drip Capital to disburse approximately Rs 100 billion (approximately $1.2 billion) in collateral-free trade finance to Maharashtra-based MSMEs over a five-year period from 2026 to 2031. Aims to ease working capital constraints for export-oriented small businesses.
Scale indicators10 records
Recent moves6 records
Expansion highlights8 records
Drip Capital competitors and assessment
Company assessmentDirect peers
- Fundbox: Fundbox offers SMB working capital through invoice advances and lines of credit to small businesses, using data-driven underwriting similar to Drip. Both target the same underserved SMB segment with revolving/receivables-backed products.
- OnDeck: OnDeck (an Enova company) provides small business loans and lines of credit using proprietary data analytics for underwriting - same core model as Drip but without cross-border trade focus. Both serve SMB working capital needs with digital underwriting.
- Resolve: Resolve provides B2B trade financing and dynamic discounting for working capital, similar in concept to Drip's receivables financing. Both target the invoice/payment-term gap that B2B businesses face.
- BlueVine: BlueVine is one of the most direct competitors to Drip Capital - both provide invoice/receivables-based financing and revolving lines of credit to SMBs with digital underwriting. Drip differentiates by cross-border focus; BlueVine focuses on US SMBs, but core product overlap is near-complete.
- Stenn: Stenn is a digital trade finance platform providing financing against trade receivables and cross-border trade transactions. Like Drip, it serves SMBs and uses technology to streamline trade finance - direct head-to-head in the cross-border trade finance niche.
- Credibly: Credibly provides working capital solutions (loans, lines of credit, invoice factoring) to SMBs using data-driven underwriting. Overlapping customer profile and product mix make it a direct SMB financing peer.
- KredX: KredX is India's leading invoice discounting/trade receivables platform serving MSMEs, making it a direct competitor in Drip's largest market. Both monetize unpaid business invoices via receivables financing with comparable SMB borrower profiles.
- Jeeves: Jeeves is a cross-border SMB financing platform operating across Latin America (where Drip recently expanded into Mexico) and emerging markets, offering lines of credit and cards. Geographic overlap in Mexico makes it a regional-direct peer.
Broad incumbents
- Brex: Brex provides SMB credit cards, banking, and increasingly bill pay/working capital tools. While broader than Drip's invoice-focused offering, it competes for the same SMB customer's overall working capital wallet with embedded finance capabilities.
- Kabbage (American Express): Kabbage, now part of American Express, was one of the original digital SMB line-of-credit providers. Its acquisition by Amex reflects how incumbent players view this space; it serves as a benchmark for Drip's potential exit trajectory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Drip Capital social profiles
Digital presenceDrip Capital compliance and trust
Trust signalCompliance1 record
Drip Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Drip Capital leadership team
Management profileNumber of profiles
Profiles7 records
Drip Capital funding detail
Funding detailFunding overview
Funding rounds16 records
Investors27 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Drip Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Drip Capital
What does Drip Capital do?
Drip Capital is a digital trade-finance platform that provides collateral-free working capital to small and medium businesses engaged in domestic and cross-border trade. Its three core products — Vendor Financing (pay suppliers now, repay within up to 90 days), Receivables Financing (advance cash against unpaid invoices within 24 hours), and a revolving Line of Credit repaid in six equal monthly installments — are underwritten by AI/ML models trained on a decade of cross-border trade data and delivered via a self-service web portal.
Is Drip Capital a public or private company?
Drip Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Drip Capital founded?
Drip Capital was founded in 2016. It employs 1 to 10 people.
Where is Drip Capital based?
Drip Capital is headquartered in Palo Alto, United States, in the North America region.
How does Drip Capital make money?
Three revenue lines are on record. Vendor Financing Fees are the primary driver. The others are receivables Financing / Invoice Discounting and revolving Line of Credit Interest.
Who are Drip Capital's main competitors?
Direct peers on record are Fundbox, OnDeck, Resolve, BlueVine, Stenn, Credibly, KredX and Jeeves. Broad incumbents are Brex and Kabbage (American Express).
Does Drip Capital have an API?
No public API is recorded for Drip Capital.
What industry is Drip Capital in?
Drip Capital's product category is Trade Finance / Working Capital Lending. Its primary akta.pro industry code is FSAKALAH, Collateral-Based Lines of Credit (Secured Revolving), with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 52229 and its SIC code is 6153.