Key facts
| Product | MRR credit facility |
| 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 | 24–60 months |
| Requirements | $3M+ 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 SaaS Capital, as of today, is shown to approved members. Sign in to see it.
SaaS Capital pros and cons
- Publishes its pricing
- Non-dilutive: no equity or warrants
- Needs $3M+ ARR
- US only
$1M+ ARR companies wanting larger, longer, cheaper-than-RBF capital.
Covenants (min cash, revenue), blanket lien, some facilities include warrants.
SaaS Capital alternatives
Other SaaS term loans & credit facilities providers, fastest first. All SaaS Capital alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Espresso Capital Growth credit |
Rates shown to approved members | About 4 weeks | $2M+ 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 SaaS Capital
SaaS Capital FAQ
How much does SaaS Capital cost?
The estimated rate for SaaS Capital, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and SaaS Capital's underwriting.
How fast does SaaS Capital fund?
About 4 weeks from application to cash, based on typical timelines.
What are SaaS Capital's requirements?
$3M+ ARR. Available in US.
How much can you get from SaaS Capital?
Up to about 50% of ARR. Terms run 24–60 months.
Does SaaS Capital require a personal guarantee?
A personal guarantee isn't listed as a requirement for SaaS Capital.
What are the best alternatives to SaaS Capital?
Other SaaS term loans & credit facilities providers include Espresso 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.
SaaS Capital won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at SaaS Capital? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is SaaS Capital your best option?
Price SaaS 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.