“Relationships do matter. You don’t always understand this when you just look at deal terms, but the quality of people you work with matters a lot. The people at Lighter Capital were a great sounding board when we were formulating our financing and growth strategies.”
David Lischner, CEO, Valant
Growth-stage SaaS & technology companies making $2M to $5M ARR (minimum $200K ARR)
Startups with predictable recurring revenue and strong unit economics
Founders seeking growth capital that doesn't dilute equity or require board seats
We're a great fit for:
Who do we fund?
Qualified tech startups located in the United States, Canada, or Australia can get up to $10 million in non-dilutive financing from us to accelerate growth, without giving up equity or control of their business.
If a startup you know fits our funding criteria, we’d love an introduction!
We help startups grow.
Lighter Capital is an innovator in startup financing, providing a founder-friendly alternative to traditional bank loans and dilutive capital for more than a decade.
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EQUITY DILUTION
600+
STARTUPS FUNDED
$500M+
CAPITAL DEPLOYED
Our Portfolio of Growing Tech Startups
Non-dilutive capital for building long-term value.
VC isn't right for every tech entrepreneur — or it may not be the right fit right now. From die hard bootstrappers to founders who aspire to raise their Series A one day, Lighter Capital's non-dilutive financing solutions are instrumental in helping today's software and AI startups grow on their own terms.
Smooth out inconsistent cash flow
Bridge capital to an equity round
Buyout investors or acquire a company
Fund GTM initiatives, hiring, and other growth compaigns
Invest in product development and scale infrastructure
Build your company valuation
"Having worked with Lighter Capital and referred founders to them, I highly recommend their non-dilutive financing options for capital-efficient SaaS businesses. Founders not only retain ownership and control, but also they can use the capital to delay or navigate a venture raise until valuations become favorable. I've seen several founders use Lighter's financing to go straight to a larger growth equity round. A big plus is that you don’t need equity sponsorship to get funded by Lighter Capital, which enables founders to raise capital on their preferred timelines and terms."
Guarav Bhasin, Managing Director, Allied Advisers
How does our funding work?
We don’t need to see a pitch deck or business plan. The startup doesn't have to be profitable. We don't ask for personal guarantees. And we never take equity, board seats, or control of the business. Our investment team uses historical revenue and other objective, quantifiable metrics to quickly approve startups for non-dilutive financing that's right-sized to where the business is at. If approved, founders get a term sheet 3 to 5 days after completing a short application. Money is in the bank within days of signing.
Good Money, Fast
Fast access to growth capital with reasonable loan terms that align with the business' cash flow and revenue dynamics.
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Short application and approval process
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Transparent terms and pricing — no misleading discount rates or surprises
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Longer payback terms (up to 4 years) and flexible repayment options
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No collateral requirement
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Access to follow-on funding in as little as 90 days
100% Ownership, Zero Dilution
We never take equity, board seats, or control of the business. Founders retain ownership, decision-making power, and upside.
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Significantly cheaper than equity funding
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Keeps cap tables clean
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No complicated governance issues
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No valuation negotiations or down rounds
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Freedom to set the pace of growth
VC-like Benefits Included
Our team supports founders throughout their journeys, enabling meaningful connections that drive efficient growth.
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$200K+ in discounts and services
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Leverage our network to open new pipelines to revenue
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Collaborate with an engaged community of experienced tech founders
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Attend the Lighter Summit
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Get warm intros to investors and other financial partners
Refer a Startup
Our passion is helping startups grow.
Together, we can help more entrepreneurs reach their fullest potential on their own terms.
Know a tech startup that's surpassed $200K ARR and looking for funding to keep growing? Use the form to refer them and we'll get in touch within one business day.
