Technology
Technology Business Loans
Technology companies fund hiring, product development and go-to-market spend without giving up equity. Recurring subscription revenue underwrites well, and funding arrives in days rather than the months a raise takes.
What it pays for.
- Hiring engineers and sales staff
- Product development ahead of revenue
- Go-to-market and customer acquisition
- Infrastructure and tooling
- Bridging to a funding round
It is usually the same reason a lender says yes.
Software businesses are asset-light and often unprofitable by design, which fails a bank's model outright. Recurring subscription revenue, though, is some of the most predictable income a lender can underwrite.
Funding options for technology.
Merchant Cash Advance
A merchant cash advance gives a business a lump sum today in exchange for a fixed percentage of future sales. Approval is based on revenue rather than credit score, so businesses turned down by banks often still qualify. Funding typically lands in one to three business days.
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
Equipment Financing
Equipment financing pays for machinery, vehicles or tools, with the equipment itself serving as the collateral. Because the loan is secured by the asset, approval odds are higher and rates are usually lower than unsecured funding — and many businesses qualify with limited credit history.
Business Line of Credit
A business line of credit is a revolving limit you draw against as needed, paying interest only on the amount drawn. It suits uneven cash flow and unexpected costs better than a lump-sum loan, and the limit replenishes as you repay.
Technology: questions owners ask.
- Can a software company get funding without giving up equity?
- Yes, and that is the main reason to use revenue-based funding. It is repaid from revenue rather than sold against ownership.
- How is recurring revenue underwritten?
- Lenders look at monthly recurring revenue, churn and deposit consistency. Predictable subscription income underwrites well even without profitability.
- How does this compare to raising a round?
- Funding arrives in days rather than months and costs no equity, but it must be repaid from revenue. It suits bridging and growth spend rather than long unprofitable build phases.