“Lighter Capital is more than a debt provider. They have an amazing community, unique perks to help reduce overhead, and provide useful insights through their platform. They'll share their vast experience to help you scale your business and make introductions to get you closer to an exit.”
Joe Marhamati
COO and Co-Founder, Sunvoy
Scaled marketing & product development
Non-dilutive growth capital
100% Ownership, Zero Dilution
We never take equity, board seats, or control of your business. You retain your ownership, decision-making power, and upside.
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Significantly cheaper than equity funding
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No complicated governance issues
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No valuation negotiations or painful down rounds
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Freedom to grow at your own pace
Capital When You Need It
Structured to support recurring revenue businesses, financing is right-sized to where your startup is at and we make it easy to get more money as you grow.
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Flexible repayment options
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Access to follow-on funding in as little as 90 days
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No overly-restrictive covenants
Good Money, Fast
Get fast access to growth capital with reasonable loan terms that align with the cash flow and revenue dynamics of your SaaS business.
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Short, objective application and approval process
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Transparent terms and pricing—no misleading discount rates or surprises
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Longer payback terms (up to 4 years)
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No collateral requirement
Tired of getting stuck with VCs?
Fund growth without wasting time, energy, or equity.
VC may not be right for your SaaS startup. Or maybe raising VC isn’t the right play right now. Whether you want to bootstrap to a successful exit or you’re trying to get traction to woo future investors, Lighter Capital’s non-dilutive debt financing solutions and VC-like support can help get you there—on your terms.
Join 660+ founders who kept control of their companies and saved billions in equity.
SaaS Is Our Specialty
What's the ROI from non-dilutive debt?
With capital to jump on clear and present opportunities, you can make strategic investments in your business that grow revenue faster and produce returns that significantly outweigh the cost of capital. When you also hold onto your equity, potential long-term outcomes become a lot more lucrative.
Buyout investors or acquire a company
Bridge capital to an equity round
Smooth out inconsistent cash flow
Build your company valuation
Expand tech and people resources
Invest in sales and marketing
Get up to $10 million to grow your SaaS business on your terms.
0
Equity Dilution
$550M+
Capital Deployed
660+
Startups Funded
Find your founder-funding fit here.
SaaS entrepreneurs used to have limited fundraising options that were time consuming, costly, risky, and more often than not, a dead end. Underserved by traditional banks and frequently misaligned with VC, revenue-based financing quickly became an invaluable alternative for growing SaaS startups when we brought it to market more than 15 years ago.
Lighter Capital is the trusted leader in SaaS financing with over a decade of experience helping tech startups grow.
$200K+ in Discounts & Services
Your Strategic Partner in Growth
Join an engaged network of 150+ tech founders focused on capital-efficient growth
Leverage our network to amplify your brand and open up new pipelines to revenue
Collaborate regularly in peer breakout groups
Get an invite to The Lighter Summit
Let us make warm intros to the right investors when you’re ready to raise equity
AWS & Google Cloud credits
Software discounts, from back office to sales and marketing
Fractional support and managed services
Equity management solutions
And more
The extras you expect from VCs, included.
We're not your typical lender. Our team supports you throughout your journey, helping you make meaningful connections via our founder community and expansive ecosystem, so your entrepreneurial dreams can become reality.
Raising startup capital doesn't have to be so hard.
We don’t need to see a pitch deck or business plan. You don’t need to explain your tech stack or prove your market opportunity. And we don’t need to meet your current investors or advisory board. Our investment team uses historical revenue and other objective, quantifiable business metrics to quickly approve your startup for non-dilutive financing.
Apply in less than 2 minutes to get started.
HOW IT WORKS
Step 1: Apply
Answer a few simple questions about your business using our short, secure online application.
We’ll notify you within 24 hours of your application if you meet the minimum qualification requirements.*
Step 2: Qualify
Next, you’ll meet with your investment advisor, who will get to know you and your business better, and guide you through the funding process.
After you link your business’ financial information within our secure portal, our underwriting team will get to work on your loan.
Step 3: Approved
You’ll find out how much initial funding your business is approved for and receive a term sheet within a few days of connecting your financial data.
Funds can be deposited into your bank account shortly after the term sheet is signed.
*Who should apply?
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You’re generating at least $200K in annual recurring revenue (ARR)
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You have at least 5 paying customers
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Software, hardware, or tech solutions with a recurring revenue pricing model (subscriptions or annual contracts)
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You have a HQ, branch, or subsidy based in the U.S., Canada, or Australia
WHAT OUR CLIENTS SAY
Brighthive
WHAT OUR CLIENTS SAY
Videon
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IPfolio
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Galaxy Semiconductor
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Factor House
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Qnary
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Flip CX
WHAT OUR CLIENTS SAY
Cirrus Identity
WHAT OUR CLIENTS SAY
Valant
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MapAnything (Acquired by Salesforce)
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Gray Falkon
WHAT OUR CLIENTS SAY
Aisle Planner (Acquired by Fullsteam)
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dbt Labs
WHAT OUR CLIENTS SAY
Contractor Compliance
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Style Arcade
WHAT OUR CLIENTS SAY
School Bytes
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Courseloop
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Intellect
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Spiketrap (Acquired by Reddit)
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Tecobi
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Stay connected and tap into our founder knowledge base.
We created Founders' Hub so you don't have to grow it alone. It's the most comprehensive and thoughtfully curated—not to mention free—resource hub for bootstrappers and tech founders who do it differently.
If you're not ready to apply for funding, or you want up-to-date information, resources, and ideas for building a successful SaaS startup, subscribe to Founders' Hub before you go.
Explore Founders' Hub
Your success is our mission. We’ve leveraged real-time business data, feedback from our founder community, insights from experts in our vast partner network, and market trends to deliver timely, useful knowledge that helps you and your startup grow.
Download guides from entrepreneurs and other experts sharing their insights and best practices for startup financing.
You can connect with other founders and like-minded CEOs, as well as use our partner services and discounts to scale strategically.
See how much ownership you can retain with non-dilutive funding, compared to raising an equity round.
Download guides from entrepreneurs and other experts sharing their insights and best practices for startup financing.
Download guides from entrepreneurs and other experts sharing their insights and best practices for startup financing.
HOW CAN MY STARTUP USE GROWTH CAPITAL?
Growth capital provides startups with a bigger long-term investment, which enables them to scale the business more effectively than they could with smaller short-term working capital loans or their revenue streams.
Here's how we frequently see founders put their growth capital loans to work:
Fund working capital
Invest in sales and marketing
Invest in product development
Hire talent and build out new teams
Expand into new markets
Invest in infrastructure
Bridge equity funding rounds
Restructure old debt
Buy out tired investors
WHO SHOULD APPLY?
Our financing solutions are best suited for technology and SaaS startups with steady recurring revenue streams, whether that's through long-term contracts with customers or monthly subscriptions.
You should have a minimum of $200K in annual recurring revenue (ARR) or $15K MRR from a diverse customer base.
You don't need to be profitable or even have positive cash flow. We expect early-stage tech startups to be cash flow negative, or neutral at best, since you're continually pumping revenue back into the business to keep it growing.
Your business should be based in the U.S., Canada, or Australia.
Sound like you? Complete our secure online application in less than 2 minutes to get funded!
DO YOU INVEST IN COMPANIES OUTSIDE OF THE U.S., CANADA, AND AUSTRALIA?
No; however, if you have office locations or do business in any of these countries, you may be eligible. In the future, we aspire to work with startups in other global tech markets.
CAN I TALK TO SOMEONE BEFORE APPLYING?
Absolutely. Our online application is the quickest way to get the information we need for a productive conversation that answers all your questions. If you simply want to chat with one of our Investment Advisors, you can contact us here.
