A blend between bank debt and venture capital, revenue-based financing (RBF) is a non-dilutive type of capital in which investors lend money to companies in return for a percentage of revenues until the initial loan amount and repayment cap have been paid off.
Our secure, online application is fast and easy, and companies can receive up to $500K in growth funding in as little as 2-4 weeks. We can provide follow-on rounds in as little as 3-4 business days, up to $2M for companies that qualify.
No equity dilution, no personal guarantees, and no board seat are required. It's your company.
Looking for VC funding? Our funding can help you grow your company now so you give up less equity later.
We understand that monthly cash flows can fluctuate, which is why we have payments that scale up or down with your net revenue. So you won't have to write a fat check during a down month, like you would with a bank loan.
VC and Angel funding for small, early-stage tech startups is tighter than ever, and requires giving up an equity stake. Most banks don’t have the loan products or underwriting models to help asset-light technology companies. Revenue-Based Financing may be a good alternative for your growing tech company.
|Bank||Lighter Capital||VC & Angels|
Expected Annual Return15-30%
Fundraising Period2 weeks or less
|Warrants / None||
|Own 20-40% of your company + board seat|
Personal Credit ScoreDoes not affect credit
|Does not affect credit|
We lend more to early stage growth companies
Monthly payments rise and fall with the ebb and flow of your revenue
How fast you repay your loan depends on how fast your business grows.
Our Revenue-Based Financing structure uses a simple, transparent pricing model so you know your total commitment from day one.
Revenue-based financing has two costs:
The Repayment Cap is calculated as follows:
The cap is usually 1.5 to 2.2x the amount borrowed, paid back over the length of the loan (usually 3-5 years).
Lighter Capital was founded in 2010 by a group of entrepreneurs and venture capitalists who believed there was a better way to fund growing technology companies.
Our revenue-based loans are structured so that we win when you win. Our return depends on your company’s performance, meaning it’s in our best interest to work with you to help you grow. We can be involved as much or as little as you like. Together with our community of 150+ tech entrepreneurs and experts, we can:
It’s why, having completed more than 150 financings with over 110 companies, we're the leading provider of Revenue-Based Financing for growing technology companies.
“Lighter Capital made the entire process simple and easy and showed a true interest in not only ensuring Lighter Capital was the right fit for our company, but that they could help VirtualQube grow leaps and bounds.”VirtualQube
We strive to make the process as light as possible – no long applications or waiting weeks or months for answers. Our goal is to get you funded in 2-4 weeks so you can focus on your business.
To get things started, fill out our secure, online form to give us a quick snapshot of your business.
We’ll contact you to get more detailed financial information about your business. Our Investment Team will have a short phone call with you to learn more about you and answer any questions you may have.
By now we should both know if Revenue-Based Financing is a good fit for your company. If it is, we’ll send you a term sheet and get you the funding you need to take your business to the next level.