SaaS Debt StackSaaS lender directory
20 debt providers for software companies, grouped by structure. Listed alphabetically. No one pays to be here.
Details are from each lender's public materials, checked October 2026. "—" means the lender doesn't publish it. Always confirm terms with the lender. Spot something out of date? Tell us.
Short-term financing & advances
Fast, automated underwriting. Smaller amounts and terms usually under two years.
| Lender | Structure | Size | Minimum | Where | VC backing needed? |
|---|---|---|---|---|---|
| Capchase Repayment over 3–24 months. | Advances against future ARR; also buyer financing | Up to $4M | $100K+ ARR, 12 months of revenue history | US, Canada, UK and parts of Europe | No |
| Clearco Focused on ecommerce brands, not SaaS. | Revenue-based funding, cash advances, invoice funding | Up to $10M | $100K+ monthly revenue, 6+ months | US only | No |
| Founderpath Flat discount rate; no warrants. | Revenue financing, term loans, lines of credit | Up to $1.5M per revenue-financing round | $500K+ annual revenue for revenue financing | Most countries | No |
| Stripe Capital Only for businesses that process payments through Stripe. | Advances and loans repaid from Stripe sales | Based on Stripe processing volume | Invitation only; 3+ months processing on Stripe | US, Canada, UK, Australia, Germany, France | No |
SaaS term lenders & credit lines
Multi-year term loans or MRR-based lines, underwritten on recurring revenue and retention.
| Lender | Structure | Size | Minimum | Where | VC backing needed? |
|---|---|---|---|---|---|
| Bigfoot Capital Established B2B software companies; no equity. | Loan facilities | $1M–$5M | — | — | — |
| Coho Growth Vertical-market B2B SaaS; terms up to 4 years; no equity. | Senior secured term loans | $500K–$1.5M | $2M–$20M ARR | US and Canada | No |
| Conductor Capital Software, tech-enabled services, healthcare IT. | Growth term debt | $3M–$5M | At or near $5M ARR, 20%+ growth | US only | No |
| Equal Capital SaaS and B2B services; up front or in tranches; no board seat. | Non-dilutive and minimally dilutive growth capital | $2M–$6M+ | $4M–$50M+ revenue, growing | US only | No |
| RevTek Capital Recurring-revenue companies with strong retention. | Term loans and draw-as-needed facilities | $2M–$20M+ | — | — | — |
| SaaS Capital Two-year draw period, three-year repayment; warrants typical. | MRR-based credit facilities | Typically 4–7× MRR | $3M+ ARR | — | No |
| SG Credit Partners Terms of 1–4 years; also lends outside software. | Senior debt for software and tech | $5M–$50M | — | — (US offices) | — |
| TIMIA Capital Terms of 2–6 years. | Interest-only and amortizing loans | — | $2M–$20M ARR | US and Canada | — |
Revenue-based & royalty financing
Repayment tied to a share of monthly revenue until a set cap is reached.
| Lender | Structure | Size | Minimum | Where | VC backing needed? |
|---|---|---|---|---|---|
| Cypress Growth Capital SaaS and tech-enabled services; repaid as a share of revenue up to a cap. | Royalty-based financing | — | — | US | No |
| Decathlon Capital Requires 2+ years of history and near-term cash-flow visibility. | Revenue-based growth loans | Multi-million | $4M–$100M annual revenue, 10%+ growth | North America | — |
| Lighter Capital Terms up to 4 years; no equity or personal guarantee. | Revenue-based financing and term loans | Up to $10M | $200K+ ARR, 5+ customers | US, Canada, Australia | No |
Growth & venture debt
Larger facilities for later-stage or sponsor-backed companies, often with flexible structures.
| Lender | Structure | Size | Minimum | Where | VC backing needed? |
|---|---|---|---|---|---|
| Espresso Capital Terms up to 5 years; warrant-free option. | Term loans, operating lines, unitranche | Recent deals $5M–$25M | — | North America and UK | Most clients are sponsor-backed |
| Firepower Capital Lower-middle-market lender; not software-specific. | Private debt for growth and acquisitions | $5M–$25M | — | Canada | — |
| Flow Capital Terms of 2–5 years; modest warrants. | Amortizing and bullet term loans | $1M–$7M | $2.5M+ ARR or $4M+ revenue | US, Canada, UK | No |
| RF Investment Partners Business services, healthcare and tech-enabled services; not software-specific. | Customized debt and equity | $10M–$40M+ | $15M+ revenue or $3M+ EBITDA | — (US offices) | — |
| Vistara Growth Mid-to-later-stage tech; terms up to 5 years. | Term debt, standby facilities, convertibles | $10M–$50M | — | North America | No |
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