Why choose revenue-based financing?

Revenue-based financing is a type of funding in which a company agrees to share a percentage of future revenue with an investor in exchange for capital up front. The loan payments are tied to monthly revenue, going up for strong-revenue months and down
for low-revenue months.

Retain ownership and control.

We won’t ask for equity, personal guarantees, or a board seat.

It’s your company.

Looking for VC funding? Our funding can help you grow your company now so you give up less equity later.

Get the funding you need. Fast.

Our secure online application is fast and easy, and companies can receive up to $1M in growth funding in as little as 4 weeks.

We can provide follow-on rounds in as few as 3–4 business days, up to $3M for companies that qualify.

Pay based on monthly cash flow.

We understand that monthly cash flows can fluctuate, which is why we have payments that scale up or down with your net revenue.

You'll never have to write a hefty check during a down month, like you would with a bank loan.

The funding choice of 350+ technology startups

  • We fund up to 1/3 of your annualized revenue run rate
  • Up to $3M in growth capital for your tech startup
  • Repaid over 3–5 years
  • You pay between 2–8% of monthly revenue
  • Repayment caps usually range from 1.35x to 2.0x

Still have questions?

Read the FAQ

Is it a good fit for my company?

For tech companies only

Software, SaaS, tech services, digital media or similar businesses.

You're generating revenue

Your monthly recurring revenue has averaged at least $15,000 in the last three months with gross margins of at least 50%.

You have customer diversity

You’re currently supplying your products or services to at least 10 clients.

You're based in the U.S.

We fund companies based in or primarily operating out of the United States.

You don't need to be profitable

We don’t require you to be profitable, but we do like to see a path to profitability.

Funding when you need it

You don't need to borrow it all up front. We'll provide further financing as you grow.

More hands-off than VC

VC investors require you to give up 20–40% of your company, along with a board seat. VCs serve their investors, not you, and your new board member’s goals and strategies for the company may not align with yours.

Lighter Capital doesn’t require equity or a board seat, and our revenue-based financing model means that our priorities are in alignment—we succeed when you succeed.

Less risky than a bank loan

Bank loans often require hard assets as collateral, but software or digital service companies don’t have the leverage to get the capital they need. Many banks will require a personal guarantee to secure the loan, which is risky. If your company fails, you and your family’s assets may be on the line.

Lighter Capital understands the challenges facing tech startups. We will never ask for a personal guarantee.

“Lighter Capital is our only outside source of funding. It’s great to be able to focus on running my business rather than spending precious time looking for funding.”

Jay Goyal, CEO
Actively Learn
from Seattle, WA

Read client success stories

An easy application process

Getting the funding you need to grow should be simple—no long applications or waiting weeks or months for answers. Our goal is to get you funded in 4 weeks so you can focus on your business.

Give us an overview

To get things started, fill out our secure online form to give us a quick outline of your business.

Get to know each other

We’ll contact you to get more detailed financial information. Our investment team will have a short phone call with you to learn more about you and answer any questions.

Close the deal

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.