Bringing together practical explanations, reference material and short insights.
Most founders think about debt when they need cash. A large customer is paying late. A new hire needs to be made. Runway has dropped. A growth opportunity appears and the business does not have enough liquidity to move quickly.
For years, founders were told to grow at almost any cost. Then the market changed. Capital became more expensive. Investors became more selective. Profitability, cash efficiency and runway moved back to the centre of the conversation.
Match the type of capital to your stage then build a mix rather than betting on one source. Bootstrap or use grants before you have traction, lean on revenue-based finance or debt once revenue is steady, and save equity for growth that genuinely needs outside capital and expertise.
Advance against future card sales, repaid via a fixed percentage of daily sales. Suitable for both physical retail and E-commerce businesses with card-based revenues.
Funding is repaid through a percentage of future revenue. Common for SaaS, recurring revenue businesses, or Ecommerce. It can take different forms of contracts and different types of repayment structures, depending on the business model and lender.
Loans not backed by specific collateral. Lenders rely on the borrower’s creditworthiness and cash flow. Often used with companies without physical assets.
Loans backed by collateral (assets such as property, equipment, inventory, cash, IP, receivables). In case of default, the lender can seize the asset.
Explore the benefits of non-dilutive financing and how it can help your business grow.
Understand which metrics lenders evaluate when assessing your recurring company for revenue-based financing.
Understanding the key metrics that revenue-based lenders evaluate when assessing your SaaS business for funding eligibility.
Comparing revenue-based financing with traditional venture capital. Learn which funding model suits your stage, goals, and growth trajectory.
