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Bizcap US vs Arcadia Servicing
Built live from what each lender publishes. Nothing here is estimated — where a lender publishes nothing, the cell says so.
| Attribute | Bizcap US | Arcadia Servicing |
|---|---|---|
| On the record |
|
|
| Lender type | Direct funder | Direct funder |
| Products offered | Line of credit, Revenue-based | Revenue-based |
| Published amounts | Up to $2M | Not disclosed |
| Pricing basis | Not disclosed | Not disclosed |
| Published rate | Not disclosed | Not disclosed |
| Disclosed fees | Not disclosed | We believe in transparent, upfront terms with no hidden fees. |
| Repayment frequency | Variable with revenue | Variable with revenue |
| Term length | Not disclosed | Not disclosed |
| Minimum credit score | 550 | Not disclosed |
| Minimum time in business | 1 yr | Not disclosed |
| Minimum monthly revenue | $20K/mo | Not disclosed |
| Collateral required | Not disclosed | Not disclosed |
| Personal guarantee | Not disclosed | Yes |
| States excluded | Not disclosed | Not disclosed |
| Industries excluded | Government & Nonprofits, Legal & Financial Services, Bail Bonds & Pawn Shops, Religious & Educational Institutions | Not disclosed |
| Speed to fund | Approved within 3 hours; same day funding available | In as fast as one business day |
| Speed conditions | 'as little as three hours after submitting'. The same page also says 'funds in your account the day after approval', which conflicts with 'same day funding available' | 'Decisions can come in as little as a few hours, and approved funding can reach your business bank account in as fast as one business day.' All funding subject to approval. |
| Headquarters | Miami, FL | Holmdel, NJ |
| Established | 2019 | Not disclosed |
| Next step | Enquire Review | Enquire Review |
Rates on this page are not directly comparable unless the pricing basis matches. A factor rate of 1.30 and an APR of 30% are different measures of different things — a factor rate is a multiple of the amount advanced with no time dimension, an APR is annualised. Read the pricing basis row before comparing the rate row.