Dare Capital

What does Dare Capital offer?

Dare Capital offers one product, invoice factoring, and it is one of the few factors in this directory that leads with construction. It buys your invoices or progress billings at a discount, advances up to 95% right away and pays the rest, less its fee, when your customer pays. There is no long term contract and no termination fee, so you can use it for one project and stop. Its website is darebizcapital.com, and it also runs a back office platform used by other finance companies.

Who does Dare Capital fund, and who do they decline?

Dare funds US B2B companies whose customers are creditworthy, with construction subcontractors and manufacturers as its core. A subcontractor waiting 60 to 90 days on a general contractor's pay application is the textbook case. Projects up to $7 million are supported.

It does not publish decline criteria. Factoring depends on your customer's credit and on clean, verifiable invoices, so disputed work, consumer customers or heavy retainage will reduce what it can advance. Businesses outside the United States are not eligible; a Canadian contractor should compare Capitally, which lists construction.

What does it typically cost and how fast is it?

Dare does not publish its discount rate; pricing is quoted per file based on your customer's credit and how long they take to pay. The published terms are the advance of up to 95%, no termination fees and no long term contract. Factoring fees are typically a percentage per 30 days outstanding, and the typical range is on our invoice factoring page. Funding speed is not published; once a facility is open, individual invoices usually fund within a day or two of verification.

What will you need to apply?

Have an aged receivables report, the invoices or pay applications you want funded, the related contracts or purchase orders, lien waivers for construction work, recent bank statements and corporate documents. Our document checklist covers the standard items, and our construction financing page explains what factors look for in a pay application.

How does Dare Capital compare with similar lenders?

FundThrough is the online factor for the US and Canada with a published rate of 1.9% to 2.9% per 30 days and up to 100% advances, but it excludes construction and real estate. Drip Capital factors export and import invoices and finances purchase orders up to $3 million for cross border traders. Dare is the choice when the receivable is construction or you want to factor a single project without a year long commitment.

How to apply

Apply once on this site and matching shows whether Dare Capital, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our MCP server. A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.