Capchase Grow

4/5 stars

SaaS companies with strong recurring revenue streams will find Capchase a fast and convenient alternative to traditional revolving credit lines.

Pros

Fast Funding: Often provides funding within 24 hours of approval.
Easy Application: Simple online application that takes minutes to complete.
Personalized Offers: Capchase will provide offers tailored to your goals and revenue.

Cons

Lack of transparency: Like most financing, the terms of your offer may vary significantly

The Bottom Line

If you’re a SaaS company, you’ll find Capchase Grow a convenient alternative to traditional lines of credit.

This page may contain affiliate links. Our assessments are grounded solely in the product’s merits and performance.

Loan Types

Revolving Credit Line

Description: Flexible credit line that allows businesses to draw funds as needed.
Loan Amounts: Up to 60% of future recurring revenue
Terms: Up to 24 months
Interest Rates: Variable
Repayment: Variable

Pricing information is retrieved from publicly accessible pricing materials. The actual cost may vary based on specific plans chosen. Always check directly with the seller for the final quote.

Pricing information last updated March 7, 2024.

Qualifications

Business type: Must be a software as a service provider (SaaS)
Location: Headquartered in United States, United Kingdom, Canada, Spain, Belgium, the Netherlands, Sweden, Finland or Denmark.
Annual Recurring Revenue: Minimum of $100,000
Runway: Minimum of three months

Application Process

Sign up: Provide name, email, company name, website, location.
Provide information: Months of runway, annual recurring revenue, annual contract value
Sync your accounts: Integrates with most banking and payments platforms

Product Review

Capchase provides a glossy new coat of paint to the traditional revolving line of credit.

In marketing and style, Capchase Grow looks a lot like revenue-based financing options such as Wayflyer: instead of a lengthy underwriting process, all you do is share some basic info, hook up your payments and banking platforms, and receive an offer in as little as two days. Just like those platforms, this is a straightforward application process that’s finished swiftly.

In substance, however, this is more like a traditional business line of credit. The terms will vary, and based on your needs and revenue, you may be offered a few different options. The term of the offer, the credit limit, interest rate, and repayment schedule can each look quite different.

You’ll have to compare the terms you’re offered here to those from other credit providers. It’s difficult to generalize about whether the terms you’ll find at Capchase are better or worse than elsewhere.

Capchase provides a clear advantage in some aspects of the experience, however. You’ll find a very smooth, modern UI to manage your line of credit, as well as automatic adjustments to your credit cap if your revenue increases. Clearly, they’ve done a lot to automate some of the more annoying parts of working with a lender.

Key features include:

Integration with your bank, accounting, and payments systems
Intuitive dashboard for managing your line of credit
Access to “growth advisors” who will help you make decisions about your financing
Automatic adjustments to your credit cap as your revenue increases

Best for: Growing businesses that want a quick offer on a line of credit

All in all, Capchase wins major points for ease of use and speed. However, we still recommend shopping around; ultimately, you’ll want to find the most favorable terms, not the slickest UI.