Peers & Company · San Francisco Merchant Bank

Growth Debt Financing

Flexible debt capital structured for high-growth companies — not traditional borrowers.

Definition

What Is Growth Debt Financing?

Growth debt financing is a category of debt capital designed specifically for high-growth companies that may not qualify for traditional bank loans. Unlike conventional debt, growth debt is underwritten on revenue trajectory and growth potential rather than EBITDA, hard assets, or credit history. It provides non-dilutive capital with terms structured around the company's growth profile.

How It Works

At Peers & Company

Peers & Company structures growth debt as revenue-based financing — repayment tied to 1–4% of monthly revenue over 2–5 years. This means no fixed amortization, no balloon payments, and no personal guarantees. Underwriting is based on revenue performance, growth rate, and market opportunity.

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Key Advantages

Why Founders Choose Growth Debt Financing

Revenue-Based Underwriting

Qualified on revenue growth and trajectory, not EBITDA or hard assets.

No Fixed Amortization

Repayment flexes with your revenue — no fixed monthly minimums.

No Warrants

Unlike venture debt, our growth debt carries no equity kickers or warrants.

No Covenants

No financial maintenance covenants restricting your operations.

Preserve Equity

Access debt capital without the dilution of an equity round.

Weeks to Close

Streamlined process focused on revenue data, not lengthy credit committees.

Who Qualifies

Is This Right for Your Company?

Companies with $4M–$100M in annual revenue, 2+ years of operating history, and 10%+ annual growth. Both profitable and growth-stage companies qualify — we don't require EBITDA positivity.

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FAQ

Common Questions

What is growth debt financing?

Growth debt financing is debt capital structured for high-growth companies, underwritten on revenue performance rather than traditional credit metrics. It provides non-dilutive capital with flexible repayment tied to revenue.

How is growth debt different from venture debt?

Venture debt typically comes with warrants (equity kickers), requires venture backing, and has fixed repayment schedules. Our growth debt has no warrants, no equity component, flexible revenue-based repayment, and is available to both venture-backed and bootstrapped companies.

Do I need to be profitable to qualify for growth debt?

No. We underwrite on revenue growth and trajectory, not profitability. Many high-growth companies reinvest heavily and show negative EBITDA — that doesn't disqualify them from our growth debt financing.

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.