What Bitty's site says
Bitty offers revenue-based financing and business loans to businesses with 500+ credit, 6+ months in business and $5K monthly revenue, and advertises same-day business funding.
From the Bitty homepage and its business loans page (checked October 2026; bittyadvance.com redirects there):
- Products: revenue-based financing (cash "from your future sales" with "no collateral required") and business loans.
- Requirements: "a 500+ credit score," "more than 6 months in business" and "$5K in monthly revenue."
- Speed: "Same-day business funding," and "we aim to approve your request within 24 hours."
- Business loan repayment: "predictable daily or weekly payments" with "a straightforward Cost of Funds fee you agree to upfront" and "no interest charges and no compounding fees."
- Revenue-based repayment: a lump sum "in exchange for a percentage of your future sales," with payments that fluctuate with sales.
The pages checked did not state funding amounts or a credit-pull type.
Side by side
Credit and time-in-business floors are the same. Bitty accepts much lower revenue; ROI Funder offers more product types and a published range up to $5,000,000.
| Item | Bitty | ROI Funder |
|---|---|---|
| Credit | 500+ | 500+ FICO considered |
| Time in business | More than 6 months | 6+ months |
| Monthly revenue | $5K | $20,000+ |
| Amounts | Not stated | $5,000 to $5,000,000 |
| Products | Revenue-based financing, business loans | Working capital, RBF, term loans, lines, equipment, SBA |
| Speed | Same-day funding advertised; approval aimed within 24 hours | Same business day on approved, complete files |
| Pricing format | Fixed Cost of Funds fee | Shown as total cost, payback period, monthly equivalent |
If you make between $5,000 and $20,000 a month
Bitty's revenue floor is designed for you; ROI Funder's guideline is not. Borrow small and size payments to your slowest month.
A business at $8,000 or $12,000 a month has thin margins for daily payments. Before accepting any offer, run this test:
- Find your lowest deposit month in the last six.
- Subtract fixed costs: rent, payroll, inventory reorders.
- Whatever is left is the most any payment schedule can take without forcing overdrafts.
Illustrative example: a mobile detailer with $10,000 in monthly deposits and $8,500 in fixed costs has about $1,500 of room. A daily payment of $90 is roughly $1,890 a month over about 21 business days. That is too much, even if the approval comes through. A smaller amount or longer term fixes it. Our daily-to-monthly payment guide shows the conversion.
When Bitty is the better fit
Bitty suits small businesses below $20,000 a month in revenue that need a modest amount quickly and are comfortable with daily or weekly repayment.
- Revenue under $20,000 a month. Its $5K floor reaches businesses we cannot.
- Sales-linked repayment. Its revenue-based option flexes with sales, which helps seasonal or uneven businesses.
- A preference for one flat fee. A fixed Cost of Funds fee is simple to read in dollars.
Before accepting, ask for the dollar amount of the Cost of Funds fee and the number of payments. Those two numbers let you compare it with any other offer.
When ROI Funder is the better fit
ROI Funder suits businesses above $20,000 a month that want lower-cost structures, larger amounts or products like lines of credit, equipment financing and SBA loans.
A growing business often outgrows a single product type. With ROI Funder, one application covers revenue-based financing, term loans with fixed payments, a revolving line of credit, equipment financing and SBA loans, from $5,000 to $5,000,000 in all 50 states. Our 100+ funder network lets stronger files reach longer terms and lower costs.
The application uses a soft pull and carries no obligation. Same-day funding applies to approved, complete files: the application plus 3 months of business bank statements.
A short worked example helps. Illustrative only: a business at $60,000 a month that needs $75,000 for a second location might pair a term loan for the buildout with a small line of credit for opening inventory. Each tool matches its job, and neither drains the account daily during the slow first months.
Graduating from revenue-based to cheaper money
Clean bank statements, rising deposits and on-time repayment are what open the door to term loans and lines.
- Pay any current advance on schedule. Funders see the payment history in your statements.
- Avoid taking a second advance on top of the first. Stacked daily payments are the fastest way to cash trouble.
- Grow average daily balance, not just deposits.
- Once deposits pass $20,000 a month for three months, compare a fixed-payment term loan against another revenue-based round.
If you already carry an advance, see getting a loan with an existing advance.
Frequently asked questions
Is Bitty Advance the same company as Bitty?
The bittyadvance.com address now redirects to bitty.com, and links such as its merchant portal still use the bittyadvance.com domain.
What does Bitty require?
Its homepage lists a 500+ credit score, more than 6 months in business and $5K in monthly revenue.
How much can I get from Bitty?
The pages checked did not state amounts. Ask for the range during the application.
Why does ROI Funder ask for $20,000 a month?
It is the guideline the funders in our network use for the products we place. Below it, a smaller specialist may be a better route.
Is revenue-based financing the same as a loan?
Bitty describes its revenue-based financing as a lump sum in exchange for a percentage of future sales, with no interest charges. A business loan, by contrast, has a fixed repayment schedule. The structure affects how payments behave when sales fall.