Bitty
Bitty (formerly Bitty Advance) Review 2026
A 500-FICO, 6-month, $5,000/month eligibility bar — among the most accessible in this roundup.
Quick answer
Bitty (formerly Bitty Advance) funds businesses with 500+ FICO, 6+ months in business, and $5,000+ in monthly revenue — one of the lowest eligibility bars in this roundup — with funding in as little as 1 business day. It does not publish a funding-amount range or a rate/fee figure anywhere on its site, the thinnest public disclosure of any lender reviewed here.
Who Bitty (formerly Bitty Advance) is best for
Very early-stage or thin-file businesses that need fast revenue-based financing and can't clear a bank's or larger lender's eligibility bar.
At a glance
- Funding amount
- Not publicly disclosed
- Rate / fee
- Not publicly disclosed
- Min credit
- 500+ personal FICO
- Time in business
- 6+ months
- Monthly revenue
- $5,000+/month (~$60,000/year)
- Funding speed
- Approval in as little as 24 hours; funding in as little as 1 business day
No specific dollar range published on bitty.com as of verification
Bitty describes a flat 'Cost of Funds fee' on its fixed-fee business loan but does not publish the fee amount or a factor-rate range
bitty.com
bitty.com
bitty.com
bitty.com/revenue-based-financing/, bitty.com/business-loans/
Pros
- +500+ FICO and 6+ months in business — one of the most accessible eligibility bars in this roundup
- +$5,000+/month revenue requirement (~$60,000/year) is the lowest annual-revenue floor in this roundup
- +Funding in as little as 1 business day
- +Offers a 'fixed-fee' business loan structure (a flat Cost of Funds fee rather than compounding interest), in addition to revenue-based financing
Cons
- −No funding-amount range, factor rate, or fee amount published anywhere on bitty.com — this is the thinnest public disclosure of any lender in this roundup
- −No independent third-party review could be located to cross-check its own disclosures
- −Company founding date and headquarters are not published on its site
Bitty (formerly Bitty Advance) requirements
- 500+ personal FICO
- 6+ months in business
- $5,000+/month revenue
- Active business checking account
Bitty (formerly Bitty Advance) alternatives
Top alternatives worth comparing from Best Alternative Business Lenders 2026.
Biz2Credit
Biz2Credit
Established businesses (1+ year, $100K+ revenue) that want to compare several funding types from a single online lender.
Rapid Finance
Rapid Finance
Businesses that want an actual published factor-rate range instead of an undisclosed 'competitive rates' claim.
Kapitus
Kapitus
Businesses with 2+ years of history and $250K+ revenue that want a large funding ceiling and a real published rate range.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-08-20
The full lineup
See all picks in Best Alternative Business Lenders 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Bitty (formerly Bitty Advance) scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Very early-stage or thin-file businesses that need fast revenue-based financing and can't clear a bank's or larger lender's eligibility bar.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Bitty (formerly Bitty Advance)
How much can I borrow from Bitty?+
Bitty (formerly Bitty Advance) does not publish a specific funding-amount range on its site as of this review. You'll need to apply to see what you're offered — verify current amounts directly at bitty.com.
What is Bitty's rate or fee?+
Bitty describes its business loan as a 'fixed-fee' product with a flat Cost of Funds fee rather than compounding interest, and its revenue-based-financing product as MCA-style, but does not publish the fee amount or a factor-rate range anywhere on bitty.com. Get the actual cost in writing before you sign.
What credit score and time in business does Bitty require?+
Bitty's published eligibility, per bitty.com, is a 500+ personal FICO score, 6+ months in business, $5,000+ in monthly revenue, and an active business checking account.
Is ClearValue Lending affiliated with Bitty?+
No. ClearValue Lending is a small business funding platform — not a lender, broker, or financial advisor. Bitty is an independent direct funder. All loan approvals and terms are determined solely by Bitty. Verify current terms at bitty.com.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.
https://clearvaluelending.com/reviews/bitty-advance-altlender