A curated selection of revenue-based financing (RBF) providers tailored for bootstrapped SaaS companies seeking non-dilutive capital. These options allow businesses to raise funds based on recurring revenue without giving up equity or control, making them ideal for scaling operations while maintaining founder ownership.
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A platform specifically designed for SaaS and subscription businesses, offering instant capital based on future recurring revenue. It integrates directly with Stripe and other payment processors, providing a seamless way to access growth capital with flexible repayment terms tied to monthly sales.
Focuses on recurring revenue financing for B2B SaaS companies, allowing founders to raise cash without giving up equity. The process is fast, often completing within days, and repayment scales with your monthly recurring revenue (MRR), aligning costs with business growth.
A revenue-based financing provider that partners with SaaS companies to accelerate growth through working capital solutions. Arcadia offers flexible terms and a quick application process, making it suitable for businesses that have achieved product-market fit but need liquidity for expansion.
Provides capital for established small businesses, including SaaS firms, with a focus on non-dilutive funding options. While broader in scope, Worthy offers competitive rates and flexible repayment structures, making it a viable option for bootstrapped companies with solid financial histories.
A well-known small business lender that offers various financing products, including lines of credit and term loans. For SaaS businesses with consistent revenue streams, OnDeck can provide quick funding with a straightforward application process, though it may require a minimum revenue threshold.
Offers a line of credit for small businesses, including SaaS providers, based on cash flow and financial health. Its digital-first approach allows for quick approvals and flexible repayment, making it useful for managing short-term cash flow gaps in growing startups.
Provides short-term business financing and lines of credit, often used by startups for operational expenses. Fundbox evaluates business performance rather than personal credit, making it accessible for bootstrapped SaaS companies with steady transaction volumes but limited credit history.
Offers business lines of credit and invoicing factoring, which can be adapted for SaaS businesses with project-based revenue. BlueVine is known for its fast funding times and digital application process, catering to entrepreneurs who need quick access to working capital.
Specializes in invoice financing and factoring, which can be beneficial for SaaS companies with net-30 or net-60 payment terms. By converting unpaid invoices into immediate cash, Novus helps businesses maintain liquidity without taking on debt or giving up equity.
Provides revenue-based financing and investment solutions for high-growth businesses, including SaaS companies. Clearlane focuses on partnerships that include not just capital but also strategic support, helping founders scale their operations efficiently while retaining control.
An in-platform financing service for Stripe users, offering automatic loans based on sales history. For SaaS businesses using Stripe for subscriptions, this provides a seamless way to access capital with repayments deducted directly from daily card sales, simplifying cash flow management.
Offers funding based on PayPal transaction history, allowing businesses to repay via a percentage of daily sales. This is particularly useful for SaaS companies that process a significant portion of their payments through PayPal, providing easy-to-manage financing with no fixed payments.
A nonprofit lender offering 0% interest microloans for small businesses, including SaaS startups. While not exclusively for SaaS, Kiva’s model supports entrepreneurs who may struggle to access traditional capital, providing an ethical and affordable funding option for early-stage growth.
While primarily a B2B marketing platform, it connects SaaS companies with partners and investors who may offer alternative financing. Networking through Supplyframe can lead to discovery of niche revenue-based financing opportunities tailored to specific software niches.
Offers small business loans and lines of credit, with a focus on digital convenience. For bootstrapped SaaS companies, Funding Circle provides competitive rates and flexible terms, making it a solid alternative to traditional bank financing for growth capital needs.
Provides short-term business loans and lines of credit for small businesses, including SaaS providers. Real Time Loan is known for its speed and accessibility, offering quick decisions and funding for businesses that need immediate capital to seize growth opportunities.
A business development company that provides customized financing solutions for middle-market companies, including SaaS firms. While targeting larger entities, Main Street’s flexible capital solutions can benefit bootstrapped SaaS businesses with strong growth potential and revenue traction.
Offers revenue-based financing and mezzanine debt solutions for growing businesses. Thrivent Capital’s flexible structures allow SaaS companies to raise capital without diluting equity, with repayment terms aligned to the business’s cash flow and performance metrics.
Provides growth capital and mezzanine financing for mid-market companies, including software and technology firms. Silvertone’s expertise in structured finance makes it a viable option for bootstrapped SaaS businesses ready to scale, offering capital without traditional debt covenants.
A leading alternative asset manager offering credit solutions for mid-market companies, including SaaS providers. Oaktree’s diverse investment strategies can provide flexible financing options for businesses seeking non-dilutive capital to support long-term growth and expansion.