Revenued Business Card: A Flexible Solution for Businesses with Fair or Limited Credit

The Revenued Business Card is a revolutionary tool tailored for enterprises with fair or limited credit. In this post, I will dissect the card’s offerings to unveil how its unique features, including a no-annual-fee structure and a revenue-based approval process, can serve as the cornerstone for your business’s growth and stability.

This card not only simplifies access to working capital but does so with an efficiency and understanding of the entrepreneurial journey, making it a must-consider financial instrument for savvy business owners aiming to leverage their revenue for future success.

Join me in exploring the potential of the Revenued Business Card for your business endeavors.

Revenued Business Card Overview

• Business requirements: 1+ years in business, minimum of 20k/month deposits, and no Sole Proprietorships
• No origination fees, maintenance fees, or draw fees
• As your revenue increases, your spending limit increases
• Access cash on demand with funds deposited straight into your bank account via the Flex Line
• Approvals based on your business revenue and not personal credit
• 24/7 access to business funding – via mobile app and Visa business card
• Rated Excellent on Trustpilot with 800+ reviews

Why Businesses Opt for the Revenued Card

The Revenued Business Card does not feature any rewards, cash back, miles, or points, focusing instead on providing financial flexibility and access to funds. This card is particularly appealing for its no annual fee and the absence of a regular APR, which makes it a nice alternative to traditional business credit cards.

The card’s unique selling point is its accessibility to businesses with varying credit histories. Approvals are predominantly based on business revenue rather than credit score, making it an accessible option for many. The absence of an annual fee further enhances its appeal, offering a cost-effective solution for business owners.

However, it’s important to note the absence of a grace period on interest charges, which means finance charges are inevitable. This could potentially result in higher finance charges compared to traditional credit cards, especially if the payback period is not extended.

Pros and Cons of the Revenued Business Card

Pros:

• Accessibility for businesses with bad to fair credit.
• No annual fee, lowering the cost of access.
• Flex Line feature, providing access to working capital that adjusts with business performance.
• Fast and easy application process, with funding decisions in as fast as an hour.
• Reports to D&B to help build business credit.

Cons:

• Inevitable finance charges due to lack of grace period.
• Potentially higher finance charges compared to short-term balances on traditional credit cards.

Flexible Financing and Streamlined Application Process

The Revenued Business Card includes a Flex Line, allowing businesses to only pay for what they use. This feature, combined with no draw fee and the ability to access cash on demand, positions the card as a flexible financing solution. The card’s spending limits increase as business revenue grows, providing scalability.

The application process is streamlined and digital, offering decisions in as little as an hour and funding access within 24 hours. This efficiency is complemented by the support of a dedicated U.S.-based account manager, ensuring businesses make the most out of their Revenued card experience.

Our Take on the Revenued Business Card

For businesses with fair or limited credit, the Revenued Business Card offers a novel and flexible solution. Its focus on revenue-based financing rather than traditional credit checks allows more small businesses to access working capital. While the inevitability of finance charges is a consideration, the benefits of increased accessibility and flexibility may outweigh these costs for many businesses.

The Revenued Business Card is not just a financial tool; it’s a gateway to growth and stability for businesses striving to expand their horizons despite credit limitations. By offering a Flex Line that adjusts with business performance, Revenued is not only providing immediate financial support but also investing in the future success of businesses.

By John Huynh, with over two decades in finance and investing, including as a Senior Finance & Operations Manager at a renowned research institute and degrees in Economics and International Studies from UC Irvine. Edited by Tony Jay, a seasoned finance blogger and Executive Editor with two decades in banking, specializing in online banking and savings strategies. Tony holds a doctorate from Tulane University.