Key facts
| Product | Term loan |
| 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 | 36–48 months |
| Requirements | $1M+ 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 River SaaS Capital, as of today, is shown to approved members. Sign in to see it.
River SaaS Capital pros and cons
- Non-dilutive: no equity or warrants
- Pricing isn't public
- Needs $1M+ ARR
- US only
$1M+ ARR companies wanting larger, longer, cheaper-than-RBF capital.
Covenants (min cash, revenue), blanket lien, some facilities include warrants.
River SaaS Capital alternatives
Other SaaS term loans & credit facilities providers, fastest first.
| 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 → |
| Espresso Capital Growth credit |
Rates shown to approved members | About 4 weeks | $2M+ ARR | Compare → |
| Element SaaS Finance Term loan |
Rates shown to approved members | About 4 weeks | $1M+ ARR | Compare → |
Compare River SaaS Capital
River SaaS Capital FAQ
How much does River SaaS Capital cost?
The estimated rate for River SaaS Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and River SaaS Capital's underwriting.
How fast does River SaaS Capital fund?
About 4 weeks from application to cash, based on typical timelines.
What are River SaaS Capital's requirements?
$1M+ ARR. Available in US.
How much can you get from River SaaS Capital?
Up to about 50% of ARR. Terms run 36–48 months.
Does River SaaS Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for River SaaS Capital.
What are the best alternatives to River SaaS Capital?
Other SaaS term loans & credit facilities providers include SaaS Capital (about 4 weeks); Espresso Capital (about 4 weeks); Element SaaS Finance (about 4 weeks). Compare all 4 side by side on B2B Agent.
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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.