Who we fund
Funding for SaaS and Tech Companies Without Giving Up Equity
Yes, SaaS and tech companies can get business funding without selling equity, especially once they have recurring revenue. Lenders that understand subscription businesses look at monthly recurring revenue, churn, and growth rather than only physical collateral.
Get matched: tech & SaaS
The reality
Cash-flow challenges we hear every day.
Customer acquisition costs paid upfront
Marketing and sales spending to win a customer happens now, while subscription revenue arrives month by month. Growing quickly can burn cash even when unit economics are healthy.
Few hard assets to borrow against
Software companies rarely own equipment or real estate, so traditional asset-based lenders may not know how to evaluate them.
Hiring engineers before revenue grows
Product development requires hiring engineers and designers months before new features bring in revenue.
Annual contracts with long sales cycles
Enterprise deals can take months to close and may pay annually, quarterly, or on net terms, creating uneven cash flow.
Best-fit funding
Funding that fits tech & SaaS.
A term loan underwritten on recurring revenue can fund hiring or a marketing push without diluting ownership.
$25K–$2M‡2–7 days*A line of credit smooths cash between annual or quarterly enterprise billing cycles.
$10K–$500K‡1–3 days*For B2B tech firms that invoice enterprise clients on net terms, factoring can speed up cash from large contracts.
$10K–$5M‡1–3 days*Short-term working capital can bridge a specific gap, such as a delayed contract payment or a product launch.
$10K–$1M‡24–72 hours*What lenders look for
Typical profile for tech & SaaS.
Lenders that work with tech companies typically look at recurring revenue, churn, gross margin, growth trends, and cash runway. Bank statements and billing system data are commonly requested.
Common uses of funds
- Hiring engineers and product staff
- Scaling paid acquisition and sales teams
- Bridging cash between annual contract payments
- Extending runway between equity rounds
- Funding security certifications like SOC 2
- Acquiring a smaller competitor or product
Can a SaaS company get a loan without collateral?
Yes, some lenders underwrite SaaS companies based on recurring revenue and growth instead of hard assets, though a personal guarantee or lien on business assets may still be required.
Is debt better than raising equity for a startup?
Debt lets you keep ownership but must be repaid regardless of performance. Many companies use debt for predictable needs and equity for riskier bets.
Do I need to be profitable to get funding?
Not always. Some lenders work with growing companies that are not yet profitable if recurring revenue is strong and there is enough runway.
Can I get funding for a pre-revenue tech company?
Debt financing is very limited before revenue. Pre-revenue companies usually rely on equity, grants, or founder capital until they have paying customers.
Funding for tech & SaaS, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor