Key differences
- Approved members can compare the estimated rates as of today side by side.
- River SaaS Capital is open to smaller companies ($1M+ ARR vs $2M+).
Side by side
| Espresso Capital | River SaaS Capital | |
|---|---|---|
| Product | Growth credit | Term loan |
| Funding type | SaaS term loans & credit facilities | SaaS term loans & credit facilities |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 4 weeks | About 4 weeks |
| Typical size | Up to about 50% of ARR | Up to about 50% of ARR |
| Term | 12–48 months | 36–48 months |
| Requirements | $2M+ ARR | $1M+ ARR |
| Regions | US | US |
| What they underwrite | Your recurring revenue | Your recurring revenue |
| Collateral | All company assets | All company assets |
| How you repay | Interest-only then amortize | Interest-only then amortize |
| Dilution | None | None |
Espresso Capital
Growth credit lines for tech companies, no personal guarantee.
Espresso Capital vs River SaaS Capital FAQ
What is the difference between Espresso Capital and River SaaS Capital?
Approved members can compare the estimated rates as of today side by side. River SaaS Capital is open to smaller companies ($1M+ ARR vs $2M+).
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.