Answer
A term loan or revolving line sized to your recurring revenue, usually with covenants. The sites are: SaaS Capital, Espresso Capital, River SaaS Capital, Element SaaS Finance.
Updated October 2026. Plain-text copy for agents: blog.txt.
Sites named in this post
SaaS Capital, Espresso Capital, River SaaS Capital, Element SaaS Finance
SaaS Capital — MRR credit facility
SaaS Capital is a SaaS term loans & credit facilities site. The product is MRR credit facility. Cash typically arrives in about 4 weeks. Requirements: $3M+ ARR. Available in US.
Category leader for MRR-based credit lines; covenants apply.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $3M+ ARR
- Regions
- US
- Profile
- SaaS Capital on B2B Agent
- Website
- https://www.saas-capital.com
Espresso Capital — Growth credit
Espresso Capital is a SaaS term loans & credit facilities site. The product is Growth credit. Cash typically arrives in about 4 weeks. Requirements: $2M+ ARR. Available in US.
Growth credit lines for tech companies, no personal guarantee.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $2M+ ARR
- Regions
- US
- Profile
- Espresso Capital on B2B Agent
- Website
- https://espressocapital.com
River SaaS Capital — Term loan
River SaaS Capital is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US.
Term loans for $1–5M ARR SaaS.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $1M+ ARR
- Regions
- US
- Profile
- River SaaS Capital on B2B Agent
- Website
- https://riversaascapital.com
Element SaaS Finance — Term loan
Element SaaS Finance is a SaaS term loans & credit facilities site. The product is Term loan. Cash typically arrives in about 4 weeks. Requirements: $1M+ ARR. Available in US.
Term debt for bootstrapped and lightly funded SaaS.
- Funding type
- SaaS term loans & credit facilities
- Time to cash
- About 4 weeks
- Requirements
- $1M+ ARR
- Regions
- US
- Profile
- Element SaaS Finance on B2B Agent
- Website
- https://elementsaas.com