A term loan or revolving line sized to your recurring revenue, usually with covenants.
$1M+ ARR companies wanting larger, longer, cheaper-than-RBF capital.
Covenants (min cash, revenue), blanket lien, some facilities include warrants.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your recurring revenue |
| Collateral | All company assets |
| How you repay | Interest-only then amortize |
| Dilution | None |
| Typical pricing | About 11–18% a year (flat fee or APR) plus fees and warrants for some lenders |
| Typical time to cash | About 4 weeks |
| Good for | Growth spend · Extending runway · Working capital |
SaaS term loans & credit facilities providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| SaaS Capital MRR credit facility |
Rates shown to approved members published |
About 4 weeks | Up to about 50% of ARR | $3M+ ARR | US |
| Espresso Capital Growth credit |
Rates shown to approved members estimated |
About 4 weeks | Up to about 50% of ARR | $2M+ ARR | US |
| River SaaS Capital Term loan |
Rates shown to approved members estimated |
About 4 weeks | Up to about 50% of ARR | $1M+ ARR | US |
| Element SaaS Finance Term loan |
Rates shown to approved members estimated |
About 4 weeks | Up to about 50% of ARR | $1M+ ARR | US |
Head-to-head comparisons
Is SaaS term loans & credit facilities right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.