THE INS AND OUTS OF
FINANCING FOR SAAS COMPANIES

Speed. Flexibility. No dilution. See why more and more companies are turning to River SaaS Capital for venture debt financing.

LEARN

THE INS AND OUTS
OF DEBT FINANCING

Speed. Flexibility. No dilution. See why more and more companies are turning to River SaaS Capital for venture debt financing.

LEARN

learn how venture debt financing for saas companies works

To put it simply, River SaaS Capital provides venture debt financing for SaaS companies without taking equity or collateral. This is particularly attractive to business owners as they are able to maintain full control of their companies, and their ownership positions are not reduced. Less complex than equity loans, debt financing for SaaS companies closes significantly faster with less paperwork and legal fees. And with the flexibility to use the funds as needed, non-diluted venture debt can provide better long-term financial outcomes.

ADVANTAGES OF DEBT FINANCING FOR SAAS COMPANIES

FASTER CLOSING
LESS LEGAL FEES
FLEXIBILITY
BETTER
LONG-TERM FINANCIAL OUTCOMES
FASTER CLOSING

FLEXIBILITY

LESS LEGAL FEES

BETTER LONG-TERM
FINANCIAL OUTCOMES

KNOWLEDGE CENTER

   VENTURE DEBT FINANCING FOR SAAS COMPANIES

At River SaaS Capital, we specialize in creating long-term relationships with SaaS companies with Monthly Recurring Revenue (MRR) of at least $150k. Each partnership begins with gaining a deep understanding of our client’s business in order to provide the subject matter expertise and capital needed to grow and scale for success. From there, we offer flexible non-dilutive venture debt financing for SaaS companies coupled with subject matter expertise in the areas of business strategy, sales, marketing, and more.

At River SaaS Capital, we specialize in creating long-term relationships with SaaS companies with Monthly Recurring Revenue (MRR) of at least $150k. Each partnership begins with gaining a deep understanding of our client’s business in order to provide the subject matter expertise and capital needed to grow and scale for success. From there, we offer flexible non-diluted venture debt solutions, coupled with subject matter expertise in the areas of business strategy, sales, marketing and more.

THE RIVER SAAS CAPITAL DIFFERENCE

Partnership Approach
Decades of Experience
No Warrants
Customized Solutions
Long-Term Relationships

THE RIVER SAAS CAPITAL DIFFERENCE

Partnership Approach
Decades of Experience
No Warrants
Customized Solutions
Long-Term Relationships

The goal of every partnership we make is simple: Provide the right funding and expertise to help B2B SaaS companies scale and grow. Like most relationships, it all starts with a conversation. Based on that conversation and the information provided on their application, the company’s details are reviewed, due diligence is conducted, and the debt closes. Compared to equity loans, our debt financing process is faster, less costly and enables greater flexibility.


APPLICATION

CONVERSATION

COMPANY REVIEW

DUE DILIGENCE

CLOSE

The goal of every partnership we make is simple: Provide the right funding and expertise to help B2B SaaS companies scale and grow. Like most relationships, it all starts with a conversation. Based on that conversation and the information provided on their application, the company’s details are reviewed, due diligence is conducted, and the debt closes. Compared to equity loans, our debt financing process is faster, less costly and enables greater flexibility.


APPLICATION


CONVERSATION


COMPANY REVIEW


DUE DILIGENCE


CLOSE

WHEN YOU’RE READY FOR GROWTH FINANCING, SO ARE WE

As you continue to increase your MRR, you may soon come to a point where your company may want to accelerate growth with debt funding from River SaaS Capital. Your company will be ready when it meets the criteria below.

ELIGIBILITY
U.S. companies only, SaaS business model
MINIMUM MRR
$150K or $1.5M ARR
LOAN AMOUNTS
$500K – $1.5M (flexibility up to $5M)
PAYMENT 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

WHEN YOU’RE READY FOR GROWTH FINANCING, SO ARE WE

As you continue to increase your MRR, you may soon come to a point where your company may want to accelerate growth with debt funding from River SaaS Capital. Your company will be ready when it meets the criteria below.

ELIGIBILITY
U.S. companies only, SaaS business model
MINIMUM MRR
$150K or $1.5M ARR
LOAN AMOUNTS
$500K – $1.5M (flexibility up to $5M)
PAYMENT 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

   PREPARE FOR THE FUTURE

As your company continues to grow, so should your understanding of venture debt funding and how River SaaS Capital can give you access to the funding you’ll need to scale and achieve your goals. Feel free to read through our vast library of case studies, blogs, white papers and more to start that education. And be sure to check back often as we are constantly updating and adding to our inventory.

eBook

3 TYPES OF
VENTURE DEBT FINANCNG

eBook

VENTURE DEBT FINANCING: A GROWTH JOURNEY

eBook

GROWING IN COMPLEX TIMES WITH VENTURE DEBT

eBook

3 TYPES OF
VENTURE DEBT FINANCNG

eBook

VENTURE DEBT FINANCING: A GROWTH JOURNEY

eBook

GROWING IN COMPLEX TIMES WITH VENTURE DEBT

We understand there’s a lot to learn when it comes to preparing your company to eventually grow and scale through venture debt funding. But don’t worry — we’re here to help. Fill out the form to get started.