Revenue-Based Finance for Tech Companies
Tech founders face a choice: raise equity (expensive, dilutive, slow) or bootstrap (limits growth speed). Revenue-based finance offers a third path — growth capital that doesn't dilute your cap table, secured against your recurring revenue rather than personal assets.
RBF providers specialise in SaaS and tech businesses. They connect to your Stripe, Chargebee, or accounting platform to analyse monthly recurring revenue (MRR), churn rates, and growth trajectory. Decisions are data-driven and fast — typically 48 hours from application to offer.
Key Benefits
- Zero equity dilution — keep your cap table clean
- Fund product development, hiring, and marketing
- Decisions based on MRR and growth metrics, not P&L profit
- Repayments scale down if revenue dips during a bad month
Frequently Asked Questions
Is RBF suitable for pre-revenue startups?
No. RBF requires established revenue (typically 6+ months of £10k+/month). Pre-revenue startups should explore grants, angel investment, or SEIS/EIS equity funding.
How does it compare to venture debt?
Venture debt typically requires equity warrants and sits alongside an equity round. RBF is purely non-dilutive and does not require a recent equity raise. RBF is simpler, faster, and does not involve warrants.
What metrics do providers look at?
Key metrics include monthly recurring revenue (MRR), annual run rate (ARR), net revenue retention, logo churn, gross margin, and runway. Providers typically want to see positive unit economics and a clear growth trajectory.
Can I use RBF alongside equity funding?
Yes. Many SaaS companies use RBF to extend their runway between equity rounds or to fund specific growth initiatives (e.g. a sales team expansion) without additional dilution.
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Open calculatorRelated Funding Options
Revenue-Based Finance UK
Growth capital repaid as a percentage of your monthly revenue. Non-dilutive funding for UK businesses. No equity, no property security.
R&D Tax Credit Advance for Tech Companies
Get early access to your R&D tax credit claim. Advance funding for UK SaaS and technology businesses claiming R&D relief.
Unsecured Business Loans for Tech Companies
Growth funding for UK SaaS, software, and technology businesses. Fund hiring, product development, and marketing. No equity dilution.
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