Scale your business with growth capital
SaaS Capital® has been lending to SaaS companies since 2007. It’s time to put our expertise to work for you.
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Streamlined access to non-dilutive capital for qualified SaaS 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 60+ 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 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 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?
This white paper is written for entrepreneurs, angel investors, and the management teams of SaaS businesses. The intent of the paper is to describe the approach used by most professional investors and strategic buyers to value a SaaS company. By better understanding the concepts and mechanics of valuing a SaaS business, management will be better able to articulate and maximize the value of their company, and also develop a more accurate estimate of the likely offers in a sale process or equity raise, resulting in a narrower bid-ask starting spread and higher likelihood of a successful outcome.
Read MoreResearch
2022 SaaS Retention Benchmarks for Private B2B Companies
The biggest finding this year was in comparing growth rates and retention rates: Growth rate is positively and exponentially correlated with net revenue retention, with a target benchmark of 110% NRR to align with the sample-wide median growth rate of 40%.
Blog Post
What Effect Did the ‘Great Resignation’ have on B2B SaaS Companies?
In the 2022 annual SaaS Capital survey, we debuted a new section asking SaaS company founders, management, and investors about their experiences with employee retention -- an evergreen topic, but one which rose to particular importance during 2021, the year of the "Great Resignation."
Blog Post
Alternative Financing Methods for SaaS Companies
SaaS Capital began funding software companies in 2007, at a time when banks were highly reluctant to offer meaningful lines of credit, and the so-called “venture debt” industry focused solely on companies that already raised venture capital. Since that time, a thriving ecosystem of SaaS-oriented capital providers has entered the fray. This post explores those alternative financing methods and when they might be a good fit (versus a line of credit or loan from a specialty lender like SaaS Capital).
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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