SaaS Venture Debt Criteria

Flexible SaaS Venture Debt Designed for You

Venture debt financing from River SaaS Capital is designed to support your success from the beginning of our relationship to the day you decide to pursue other solutions or exit. Whether you’re looking to accelerate your sales and marketing efforts or are considering debt funding for another strategic purpose, we offer the terms and flexibility you need to achieve your growth goals.

Our SaaS Venture Debt Criteria

 

Eligibility U.S. companies only, SaaS business model
Minimum MRR $150K or $1.5M ARR 
Loan Amounts $500K – $1.5M (flexibility up to $5M)
Repayment Terms Typically 36–48 months, P&I monthly
Lending Types • Standard installment loan

• Interest-only

• Step-up structure

Fees No fees on most structures
Focus Areas High-growth SaaS early stage businesses in the U.S.
Warrant Policy • RSC does not accept warrants (learn more)

• Covenants may be required

Loan Benefits • Previous investment not required

• Can be used alongside existing equity investment

• Profitability and an exit strategy are not required

• Tranche options available

• Paid principal can be reborrowed at any time

Get Started with Our SaaS Venture Debt

Our investment team is ready to answer any questions you might have about our debt funding solutions. Connect with us or apply now.

Seed Stage Companies

Seed stage companies are generally pre-revenue or are not generating enough monthly recurring revenue (MRR) to qualify for venture debt.

But if you are generating at least some MRR and showing signs of product/market fit, we would love to talk about how we can help.

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Growth Stage Companies

Grow your business aggressively, while preserving your ownership stake in the process.

Have you achieved product/market fit and accelerating growth? Find out how our financing solutions can help you continue to grow, extend your runway or allow you some financial flexibility.

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Scaling Companies

Use our financing solutions to overcome growth plateaus to take your business to the next level.

As you continue to scale your business, find out how a partnership with River SaaS can help you enter new markets, onboard critical talent or expand your sales and marketing efforts.

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