Scale your business with growth capital
SaaS Capital® has been lending to SaaS companies since 2007. It’s time to put our expertise in SaaS and AI to work for you.
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Streamlined access to non-dilutive capital for qualified SaaS and subscription AI application companies
Lending to SaaS companies is our singular focus. Our underwriting processes and our products are attuned to the needs of your business.
Work with the SaaS Capital® team and experience:
- A transparent process tailored to SaaS businesses.
- Credit facilities with more availability and fewer restrictions.
- Quick decisions for qualified businesses; current venture-backing not required.
- Access to SaaS expertise and a decade worth of research data.
Approach
SaaS Capital pioneered alternative lending to SaaS. Since 2007 we have spoken to thousands of companies, reviewed hundreds of financials, and funded 100+ companies. We can make quick decisions. The typical time from first “hello” to funding is just 5 weeks.
Product
Debt can be a powerful growth tool for SaaS and subscription AI application companies. Properly structured, credit facilities can minimize dilution, while availability grows as the business scales. Our MRR line-of-credit offers high capital availability, few covenants, and long commitment periods.
Criteria
SaaS Capital funds “scale-up” SaaS and subscription AI application companies with $3 million or more in ARR. Companies do not need to be profitable or venture-backed to qualify, but they do need to have a solid history of retention.
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Featured Research
Research
What's Your SaaS Company Worth?
Private B2B SaaS companies are typically valued using a multiple of annualized recurring revenue (ARR), but determining the correct multiple to apply is difficult. Updated for 2026, we provide a data-driven, statistically backed methodology specifically designed for private B2B SaaS companies. A full formula, as well as an Excel spreadsheet and summary table, are provided for your convenience.
Read MoreBlog Post
Introducing the SaaS Capital AI Assessment Framework
The wide availability beginning in 2025 of Artificial Intelligence (AI), and in particular the generative models known as LLMs, has given rise to fevered speculation as to the potential effects on the Business-to-Business Software-as-a-Service (B2B SaaS) market. SaaS is not dying, and a single generalist AI model will not replace all software. However, like other transformational advances in software, there will be a reshuffling of the deck.
Blog Post
SaaS Has Evolved and Its Definition Should Too: Subscription-ai-and-Software
SaaS has long meant Software-as-a-Service, but the rise of AI tools and AI-enabled products signals a shift in how modern software is built and delivered. In 2025, SaaS increasingly looks like Subscription-AI-and-Software, a natural evolution in the broader B2B technology model.
Blog Post
AI Adoption Among Private SaaS Companies and Its Impacts on Spending and Profitability
Since the launch of ChatGPT in late 2022, AI has dominated both discourse and funding dollars in the SaaS industry. With opinions ranging from existential threat to limitless opportunity, we were keen to extend our annual survey to cover several questions on AI in order to glean just how it is being incorporated by private SaaS companies and what the impact has been to date on spend.
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With SaaS Capital, we’ve accelerated growth, avoided dilution, and utilized increased access to capital over time as the business has scaled. The SaaS Capital team is great to work with and strives to make it a win, win proposition.
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They are a flexible, non-dilutive option and they really understand the needs of a SaaS business. Due to their extensive reach and best practices insight from other SaaS companies, SaaS Capital also adds significant value to Updox beyond just capital.
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Their approach to financing and experience with other SaaS companies has set them apart as the premier partner for our business.
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We were fortunate to have a number of financing alternatives, but in the end, the availability of the SaaS Capital line, coupled with the ability to draw down cash only when we need it, made SaaS Capital the obvious choice.
Driving better outcomes
Success Stories
Read our case studies to learn why SaaS Capital is the “just right” partner for SaaS businesses, how growth debt positioned a company for acquisition, and how a company created $28.8 million of net equity value.
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