Key facts
| Product | Growth credit |
| Funding type | SaaS term loans & credit facilities |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 4 weeks |
| Typical size | Up to about 50% of ARR |
| Term | 12–48 months |
| Requirements | $2M+ ARR |
| Regions | US |
| What they underwrite | Your recurring revenue |
| Collateral | All company assets |
| How you repay | Interest-only then amortize |
| Dilution | None |
The estimated rate for Espresso Capital, as of today, is shown to approved members. Sign in to see it.
Espresso Capital pros and cons
- Non-dilutive: no equity or warrants
- Pricing isn't public
- Needs $2M+ ARR
- US only
$1M+ ARR companies wanting larger, longer, cheaper-than-RBF capital.
Covenants (min cash, revenue), blanket lien, some facilities include warrants.
Espresso Capital alternatives
Other SaaS term loans & credit facilities providers, fastest first. All Espresso Capital alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| SaaS Capital MRR credit facility |
Rates shown to approved members | About 4 weeks | $3M+ ARR | Compare → |
| River SaaS Capital Term loan |
Rates shown to approved members | About 4 weeks | $1M+ ARR | Compare → |
| Element SaaS Finance Term loan |
Rates shown to approved members | About 4 weeks | $1M+ ARR | Compare → |
Compare Espresso Capital
Espresso Capital FAQ
How much does Espresso Capital cost?
The estimated rate for Espresso Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Espresso Capital's underwriting.
How fast does Espresso Capital fund?
About 4 weeks from application to cash, based on typical timelines.
What are Espresso Capital's requirements?
$2M+ ARR. Available in US.
How much can you get from Espresso Capital?
Up to about 50% of ARR. Terms run 12–48 months.
Does Espresso Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for Espresso Capital.
What are the best alternatives to Espresso Capital?
Other SaaS term loans & credit facilities providers include SaaS Capital (about 4 weeks); River SaaS Capital (about 4 weeks); Element SaaS Finance (about 4 weeks). Compare all 4 side by side on B2B Agent.
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Is Espresso Capital your best option?
Price Espresso Capital against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
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.