Key differences
- Approved members can compare the estimated rates as of today side by side.
- Element SaaS Finance is open to smaller companies ($1M+ ARR vs $3M+).
Side by side
| SaaS Capital | Element SaaS Finance | |
|---|---|---|
| Product | MRR credit facility | 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 | 24–60 months | 12–36 months |
| Requirements | $3M+ 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 |
SaaS Capital
Category leader for MRR-based credit lines; covenants apply.
Element SaaS Finance
Term debt for bootstrapped and lightly funded SaaS.
SaaS Capital vs Element SaaS Finance FAQ
What is the difference between SaaS Capital and Element SaaS Finance?
Approved members can compare the estimated rates as of today side by side. Element SaaS Finance is open to smaller companies ($1M+ ARR vs $3M+).
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.