Revenue-Based Financing · SaaS & Technology

Revenue-Based Financing for SaaS &
Technology Companies

Non-dilutive growth capital structured around your saas & technology revenue — no equity, no covenants.

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Overview

Revenue-Based Financing for SaaS & Technology

SaaS & Technology companies with $4M–$100M in annual revenue face a common problem: traditional lenders don't understand your business model, and equity investors want too much in return. Revenue-based financing solves this. Repayment is tied to 1–4% of your monthly revenue, so you never face a fixed payment that strains cash flow. SaaS companies with strong recurring revenue and predictable growth are ideal candidates for revenue-based financing. We provide non-dilutive growth capital structured around your MRR, so repayment flexes with your business — not a fixed bank schedule.

How It Works

Our Process

We underwrite based on your revenue trajectory, not EBITDA or hard assets. We underwrite based on ARR, net revenue retention, and growth trajectory — not EBITDA or hard assets. Companies with $4M–$100M ARR and strong NRR can access $1M–$20M+ in non-dilutive capital within weeks. Once approved, capital is deployed in weeks — not the months an equity round requires. Repayment flexes with your revenue: slower months mean smaller payments, stronger months mean faster payoff.

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Why Peers & Co

Built for SaaS & Technology

Zero Equity Dilution

Keep 100% ownership of your saas & technology business. No cap table impact, no board seats.

Revenue-Aligned Repayment

Pay 1–4% of monthly revenue. Payments scale with your business — lower in slow months, higher in strong ones.

No Covenants or Guarantees

No restrictive financial covenants, no personal guarantees, no hard asset requirements.

Close in Weeks

Streamlined underwriting focused on revenue data. Most deals close in weeks, not months.

Sales & Marketing Expansion

Fund a larger GTM team or paid acquisition push without diluting your cap table.

Product Development

Accelerate roadmap execution and hire engineering talent ahead of revenue.

Also For SaaS & Technology Companies

M&A Advisory
Equity & Debt Capital

SaaS & Technology · Revenue-Based Financing FAQ

Common Questions

How does revenue-based financing work for saas & technology companies?
We provide $1M–$20M+ in growth capital. Repayment is structured as 1–4% of your monthly saas & technology revenue over 2–5 years. We underwrite based on ARR, net revenue retention, and growth trajectory — not EBITDA or hard assets. Companies with $4M–$100M ARR and strong NRR can access $1M–$20M+ in non-dilutive capital within weeks.
Can SaaS companies with negative EBITDA qualify?
Yes. We underwrite on revenue growth and retention metrics, not profitability. Many high-growth SaaS companies reinvest heavily and show negative EBITDA — that doesn't disqualify them from our growth capital.
How do you evaluate a SaaS company for revenue-based financing?
We look at ARR, MRR growth rate, net revenue retention (NRR), churn, CAC payback period, and gross margins. Companies with NRR above 100% and consistent MRR growth are strong candidates.
What's the minimum ARR to qualify?
We typically work with SaaS companies generating $4M or more in ARR with at least 2 years of operating history and a clear growth trajectory.
What's the minimum revenue to qualify for saas & technology financing?
We typically work with saas & technology companies generating $4M or more in annual revenue with at least 2 years of operating history and a clear growth trajectory.

Ready to Scale?

Let's Talk Revenue-Based Financing

Tell us about your saas & technology business and what you're trying to achieve. We'll structure the right solution.

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SaaS & Technology Overview

The information on this page is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. All financing is subject to underwriting approval and eligibility criteria. Past performance is not indicative of future results. Peers & Company is a merchant bank, not a registered investment advisor. Consult qualified financial and legal advisors before making financing decisions.