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Startup Debt Capital

Why Startup Founders are Turning to Non-Dilutive Debt Capital to Fuel Growth

The landscape of startup financing is changing. Learn why SaaS founders are turning to debt capital options like revenue-based financing, term loans, and lines of credit to fuel growth.

Stock Warrants

What are Stock Warrants and Why Lighter Capital Doesn’t Use Them

A stock warrant is an agreement in which a lender has a right to buy equity in the future at a price established when the warrant was issued. But what are the risks? Why do venture lenders require them? Here's everything startup founders need to know.

Personal Guarantee

What Is a Personal Guarantee on a Business Loan and Why We Don’t Require One

As a business owner, it’s important to know what a personal guarantee on a business loan is - and, most importantly, that there are alternative funding options that don’t require one.

Debt Covenants

What Are Debt Covenants and Why Lighter Capital Rarely Uses Them on Loans

Debt covenants are promises borrowers make to engage or refrain from a specific action in return for a loan. Here's a rundown of everything founders should know about covenants - and why we don't use them on most loans.

Business Loan Cost of Capital

Considering a Business Loan? Don’t Ignore the True Cost of Capital

When considering a business loan to finance your capital needs, you’ll no doubt encounter a number of funding options - but beware of the true cost of capital. Here's what to look out for.

business line of credit

Business Lines of Credit: What SaaS Startups Need to Know

A business line of credit is an excellent choice of working capital for a growing venture. In this article, we explain how a business line of credit works, where to get one, the benefits of the Lighter Line of Credit, and what you need to qualify.

term loan

What Is a Term Loan and How to Get a Loan for Your Small Business

A small business term loan can be an excellent way to get your startup off the ground, but what is a term loan, what are the pros and cons, and how can you get one?

debt financing startups

4 Debt Financing Sources for Pre-Venture Capital Backed Startups

There are excellent arguments for seeking debt capital instead of venture funding. In this article, we'll cover the 4 most common sources of debt capital for pre-VC funded startups.