The buy now, pay later solution for B2B SaaS

Shorten your sales cycles and collect ARR upfront while offering flexible payment terms
Capchase Pay

The most-trusted financing partner for SaaS founders

Access non-dilutive, revenue-based funding that scales with you
Capchase GrowCapchase Grow

How Pay works in steps

Quote and close quickly

Offer customers flexible payment terms that fit their needs, whether that’s monthly, biannually, or annually so you can shorten your sales cycle.

Collect your ARR immediately

We handle all billing directly with customers using customized links and pay you the value of every contract upfront.

Forget about collections

Collections and reconciliation with customers are handled by us, reducing the workload on your finance team.

How Grow works in steps

Sync your data

Submit your banking and accounting information easily and securely in our platform through our integrations.

Receive your offer

Our underwriting team will perform an analysis of your submitted data and send you a capital offer in under 72 hours.

Access your funding

Accept your offer and begin withdrawing immediately, plus receive support from our team of Growth Advisors.

“Capchase enables us to set ambitious goals and have the resources to achieve them.”

David J. Phillips · Founder of Fondo
Read the case study

The revenue accelerator for SaaS

Increase your runway

Use our funding to pad your runway or reduce your time to revenue with our BNPL payment solution.

Close more deals

Shorten your sales cycle, eliminate budget blockers, and breeze through procurement with buy now, pay later.

Boost top-line metrics

Eliminate discounting, reduce your CAC, and increase your LTV through our payment solutions.

Grow your revenue

Invest in key initiatives like product development and marketing using our working capital to grow your customer base.

Avoid dilution

Access funding that scales alongside your revenue, can be used at your discretion, and won’t make you give up equity.

Discover why our customers love us

Want to know how much you could finance?

Annual Recurring Revenue

Year over Year ARR Growth

Months of Runway

This calculator is for indicative and informational purposes only and should not be considered an offer by Capchase.  Any transaction will be subject to a written legal agreement.

You can get up to


and grow your ARR by 165% within 12 months
Get funded

Join thousands of SaaS companies accelerating their revenue and growth.


Who does Capchase work with?

We provide funding and flexible working capital to CEOs and founders of SaaS companies to support their growth.

How does Capchase work?

We provide flexible, non-dilutive capital to SaaS companies based on their annual recurring revenue, funding up to 70% of a companies ARR. We evaluate and provide funding offers using our extensive underwriting process through which companies can receive their initial capital offers within 72 hours and withdraw their funding as needed.

How much capital could I receive?

Capchase will give you a bespoke offer of capital after performing a full underwriting of your business. You will receive a funding overview, with the credit available to you, on the platform and by email.

You can also estimate how much capital you could finance with Capchase using our online calculator.

Do you finance founders outside the US? What type of companies are you able to work with?

Yes. We finance founders with headquarters or subsidiaries in the United States, United Kingdom, Canada, Spain, Sweden, Finland, Denmark, The Netherlands & Belgium.

We work with B2B SaaS companies and companies with tech-enabled subscription business models.

Trouble finding the answer to your question? See all FAQs

The most-trusted finance partner for SaaS

We've raised over $900M to provide flexible, non-dilutive financing to founders.

See your offer now - with no commitment
Available funds
12 months
Available Credit
Total Payout
Receive your funds
1.5 billion
made available for founders

Why should you raise with Capchase?

Fast capital

From sign-up to funds wired to your bank account in as little as 48 hours.

Flexible SaaS financing

Take the funds you need, when you need them – no penalties or fees – from $50k to $10M

SaaS experts

A dedicated growth advisor to help you increase your capital available with Capchase as you grow

Transparent costs

No hidden fees, warrants, covenants, or security interest. A discount feeas low as 5%


Invest in your business to reach a higher valuation at your next round with no dilution

How it works in 3 steps

Seamless underwriting

Access an offer immediately after you sync your data while we further analyze it. We can improve our initial offer in less than 72 hours.

Sync your data

We integrate with your banks and accounting services so you can easily and securely connect your data.

Seamless underwriting

Access an offer immediately after you sync your data while we further analyze it. We can improve our initial offer in less than 72 hours.

Access your capital

Once approved, you can immediately draw your capital in our simple and intuitive platform.

What is Capchase SaaS financing used for?

Grow with working capital

Maximize the ROI and impact of your investments with dynamic funding
Read more about Grow

Finance your CAC

Grow your SaaS business in a cash flow neutral way
Read more about CAC

Optimize for your raise

Get a layer of financing to complement your equity raise strategy
Read more about Optimize