Pipe Vs. AccrueMe: What funding solution is best suited for your eCommerce brand?

Pipe and AccrueMe both offer tools for eCommerce sellers to solve cash flow problems. But which option is best for your business? We break it down below.

post by:
Donna Cohen

Company comparison

3.9
 

Pipe

Fast, Flexible Financing For Companies With Recurring Revenue

KEY FACTS

  • Available to sellers across all eCommerce platforms
  • Approval up to $10 million in capital
  • Trade your recurring revenue streams (subscriptions) for capital; get your subscriptions back once you pay off the trade. (up to 98% of the subscription value)
  • No personal guarantee or collateral required
  • Must have $100k+ in annual revenue to qualify
  • You maintain control of your business – no dilution required
VS
4.2
 

Bluevine

Amazon Funding and Capital to Help Sellers Grow

KEY FACTS

  • Financing available only to Amazon Sellers
  • Up to $1 million in funding based on the value of your assets
  • Flexible payments (2-25%) of monthly revenue
  • Requires 6 months of profitable sales on Amazon to qualify
  • 0% interest rate with flexible monthly payments
  • No personal guarantee or collateral 
  • No dilution – keep 100% ownership of your company

KEY FACTS

  • Available to sellers across all eCommerce platforms
  • Approval up to $10 million in capital
  • Trade your recurring revenue streams (subscriptions) for capital; get your subscriptions back once you pay off the trade. (up to 98% of the subscription value)
  • No personal guarantee or collateral required
  • Must have $100k+ in annual revenue to qualify
  • You maintain control of your business – no dilution required
  • Financing available only to Amazon Sellers
  • Up to $1 million in funding based on the value of your assets
  • Flexible payments (2-25%) of monthly revenue
  • Requires 6 months of profitable sales on Amazon to qualify
  • 0% interest rate with flexible monthly payments
  • No personal guarantee or collateral 
  • No dilution – keep 100% ownership of your company

Final Verdict

AccrueMe markets themselves as your partner, not just your lender. And they mean that. With 0% interest rates, flexible payments, no personal guarantee, and no dilution of your company they put the power of growing your business in your hands. 

Pipe does offer higher lending amounts (up to $10 million for approved borrowers), but you are using your recurring revenue streams as collateral – meaning if you don’t pay, you lose those guaranteed sources of income. 

AccrueMe wins out this round. You want a partner who will help you grow and sustain.