Revenued
Revenued is a US fintech providing revenue-based working capital financing (up to $500K) to small businesses, delivered through a Visa Business Card and mobile app, and distributed via direct-to-consumer, embedded finance platform partnerships, and CPA/affiliate referral channels.
- Company typePrivate
- Founded2015
- HeadquartersJersey City, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Revenued does
Revenued is a US-based fintech operating the Flex Line, a revenue-based financing product marketed primarily to small businesses, including those with subprime personal credit who cannot qualify for traditional bank credit. Rather than extending a loan, Revenued purchases a portion of the customer's future receivables; the customer accesses the line via a mobile app and a Visa Business Card, with spending limits that scale dynamically with monthly business revenue. The card is issued by Sutton Bank (Member FDIC) under a Visa license and processed on Marqeta's infrastructure, allowing Revenued to operate without holding its own card-issuing or core banking license.
The company's core technology is its underwriting and limit-calibration engine, which evaluates business revenue performance rather than personal FICO and produces decisions within approximately one hour, with funding typically available the next day. Beyond the core consumer product (up to $500K in financing), Revenued operates an Embedded Finance API that lets vertical SaaS, payroll/HR, payments, and neobank platforms integrate its underwriting and funding engine via no-code referral links, hosted widgets, or full REST API access. Revenued also runs an Online Marketplace (launched December 2024) and several partner programs (Accountant/CPA referrals, Content Creator, Affiliate, ISO).
Revenue is generated primarily through the receivables purchase pricing on the Flex Line (a usage-based, pay-as-you-go model) and secondary interchange or transaction-related economics on the Visa Business Card. Distribution is hybrid: direct-to-consumer via a self-serve online application, complemented by multi-channel partner acquisition (platform embedded finance, CPA referrals at $300/funded client, customer referrals at $250/referral, and affiliate placements on Visa, Business Insider, LendingTree, SoFi, WalletHub, Bankrate, and similar sites). The company reports 10,000+ members, $4B+ in cumulative financing provided, and a 4.7/5 Trustpilot rating. Revenued is privately held and organized as Revenued LLC; specific funding rounds, ownership, and revenue are not publicly disclosed.
Revenued firmographics
Firmographics- Name
- Revenued
- Legal name
- Revenued LLC
- Website
- https://revenued.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Revenued is a US fintech providing revenue-based working capital financing (up to $500K) to small businesses, delivered through a Visa Business Card and mobile app, and distributed via direct-to-consumer, embedded finance platform partnerships, and CPA/affiliate referral channels.
- Ownership category
- akta.pro rank
Revenued industry classification
Industry- Product category
- Small Business Working Capital
- NAICS
- Sales Financing (52222), Credit Card Issuing (52221)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industries
- Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Revenued is headquartered
LocationHeadquarters
- HQ city
- Jersey City
- HQ country
- United States
- HQ region
- North America
Markets served
Revenued business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Revenue-Based Financing (Flex Line): Revenued purchases a portion of future receivables to provide working capital today. Business owners pay only for what they use, with the Flex Line amount based on business performance. This is structured as an investment, not a loan.
- Business Card Transaction Fees: The Revenued Business Card Visa Commercial Card enables access to Flex Line funds while on-the-go and in-store, generating revenue through transaction processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Custom revenue-based financing up to $500,000 |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels9 records
Revenued product offering
Product offeringCore offering
Revenued provides revenue-based working capital financing to U.S. small businesses through a Flex Line of up to $500,000 paired with a Visa Commercial Card. Rather than extending traditional loans, the company purchases a portion of the business's future receivables, with spending limits that dynamically grow as business revenue increases. The product is delivered via an online application, a 24/7 mobile app, a Visa Business Card issued by Sutton Bank and powered by Marqeta, and an Embedded Finance API for partner platforms.
Product overview
Revenued offers a unified revenue-based financing platform centered on the Flex Line + Business Card product. This core offering combines a flexible spending line (up to $500K) with a Visa commercial card, allowing the system to purchase future receivables and dynamically adjust spending limits based on business performance rather than personal credit scores. The platform also includes an Embedded Finance API for platform partners to integrate Revenued's underwriting and funding capabilities, a referral-based Accountant Partner Program, and a Content Creator partnership program. Quarterly SMB research reports are published as thought leadership content. The company positions its product as an alternative to traditional lending for small businesses with subprime credit profiles.
Differentiator
Problem solved
Functional benefit
Products and services
- Revenued Flex Line + Business Card A unified revenue-based working-capital product for U.S. small businesses, providing a flexible Flex Line of up to $500,000 paired with a Visa Commercial Card. Underwriting is based on business revenue rather than personal credit, spending limits grow dynamically as revenue grows, and businesses pay only for what they use with 24/7 access via mobile app and decisions within an hour.
- Embedded Finance API A REST-based API platform that lets software platforms, vertical SaaS, fintechs, and payment providers embed Revenued's underwriting and funding solutions directly into their own products. Integration tiers range from no-code referral links to low-code hosted widgets to full custom UI via API.
- Revenued Online Marketplace An online marketplace announced in December 2024 that connects small businesses with tools, services, and resources.
Quantifiable outcome
- 62.9% of small business owners have less than 3 months of operating cash if revenue slows
- +2 more outcomes
Companies that use Revenued
Customer profileNamed customers13 records
Segments8 records
Ideal customer profiles2 records
Revenued technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature4 records
Revenued partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- FoundcoreRevenued forged its first neobank partnership with Found to drive innovation and fuel business growth. The partnership integrates Revenued's funding solutions into Found's neobank platform, providing Found's small business customers with access to working capital through Revenued's Flex Line and Business Card.
- CoverdashcoreCoverdash and Revenued partnered to provide SMBs with comprehensive financial and insurance solutions. The partnership combines Coverdash's insurance products with Revenued's working capital financing.
- FoundcoreFound is one of Revenued's platform partners integrating the Flex Line and Business Card into their neobank offerings for small businesses.
- CoverdashcoreInsurance solutions partner offering Revenued's financing integrated with insurance products for SMBs.
- Platform Integrators (Payroll/HR, Vertical SaaS, Payments, Fintech)coreRevenued offers embedded finance solutions for platforms across Payroll/HR, Vertical SaaS, Payments, and Fintech sectors, enabling partners to integrate Revenued's Flex Line and Business Card into their offerings.
- Sutton BankcoreSutton Bank, Member FDIC, issues the Revenued Business Card Visa Commercial Card pursuant to a license from Visa U.S.A. Inc.
- MarqetacoreMarqeta powers the Revenued Business Card Visa Commercial Card, providing the card infrastructure and processing technology.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Revenued competitors and assessment
Company assessmentDirect peers
- Fora Financial: Fora Financial provides working capital, merchant cash advances, and term loans to small businesses - the same core product set as Revenued. Revenued CRO Jake Lerner spent four years there, signaling direct competitive overlap.
- BlueVine: BlueVine offers SMB lines of credit, term loans, and business checking, and is both a Revenued platform partner and a competitor for the same SMB working-capital wallet. Revenued CMO Mike Bang led growth there.
- Kabbage (American Express): Kabbage pioneered online revenue-based/SMB financing and is now embedded in American Express, serving as the closest historical analog to Revenued's revenue-based underwriting and Visa-card-delivered capital product.
- Fundomate: Fundomate is an MCA/RBF provider to SMBs; Revenued BD Manager Connor Caproni previously worked there, evidencing comparable product, audience, and channel overlap.
- OnDeck (EnFin): OnDeck provides small-business term loans and lines of credit online with fast underwriting; now operating as EnFin within Envestnet, it competes directly for SMB working-capital demand.
- CAN Capital: CAN Capital provides merchant cash advances and small-business loans; a long-established direct competitor in the MCA/RBF segment Revenued targets.
- Rapid Finance: Rapid Finance offers merchant cash advances, small-business loans, and SBA products for SMBs, competing for the same underserved borrower profile Revenued serves.
- Forward Financing: Forward Financing provides revenue-based financing and merchant cash advances to small businesses in the US, with a similar product construct and SMB target customer as Revenued.
- Pipe: Pipe converts recurring revenue into upfront capital via a marketplace; it pioneered 'not a loan' receivables-purchase framing for SMBs and competes for the same revenue-based-financing narrative.
- Clearco: Clearco provides revenue-based financing to e-commerce and SMB brands, applying a similar receivables-purchase structure to evaluate businesses on revenue rather than personal credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Revenued social profiles
Digital presenceRevenued financial estimates
Financial estimateRevenue estimate
Valuation estimate
Revenued leadership team
Management profileNumber of profiles
Profiles13 records
Revenued funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Revenued 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 Revenued
What does Revenued do?
Revenued provides revenue-based working capital financing to U.S. small businesses through a Flex Line of up to $500,000 paired with a Visa Commercial Card. Rather than extending traditional loans, the company purchases a portion of the business's future receivables, with spending limits that dynamically grow as business revenue increases. The product is delivered via an online application, a 24/7 mobile app, a Visa Business Card issued by Sutton Bank and powered by Marqeta, and an Embedded Finance API for partner platforms.
Is Revenued a public or private company?
Revenued is a private company. It is classified as venture growth investor backed and is currently operating.
When was Revenued founded?
Revenued was founded in 2015. It employs 1 to 10 people.
Where is Revenued based?
Revenued is headquartered in Jersey City, United States, in the North America region.
How does Revenued make money?
Two revenue lines are on record. Revenue-Based Financing (Flex Line) is the primary driver. The others are business Card Transaction Fees.
Who are Revenued's main competitors?
Direct peers on record are Fora Financial, BlueVine, Kabbage (American Express), Fundomate, OnDeck (EnFin), CAN Capital, Rapid Finance, Forward Financing, Pipe and Clearco.
Does Revenued have an API?
Yes. Revenued offers REST APIs for platform partners to build custom user interfaces and integrate Revenued's underwriting and funding engine directly within their platforms. Integration options include: No Code Referral Link (simple referral link for rapid deployment), Low Code/Hosted (embedded widget or call-to-action), and Full API (custom UI with full API access). Access appears to be limited to platform partners rather than public developers.
What industry is Revenued in?
Revenued's product category is Small Business Working Capital. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAGALAH, Merchant Cash Advance & Revenue-Based Financing Enablement. Its NAICS code is 52222 and its SIC code is 6153.