Spread large expenses
out over time

Large outflows can jeopardize your company's runway. Take control of your cash flows by buying now, paying later.

Get financed

Invest in the bigger things, quicker

Growing your business vs maintaining your business - you no longer need to choose.

Split the
keep the cash

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Cash is king
With Capchase, you can hold onto your reserves, which means you can hold onto your independence.


Seize the opportunity
Use Capchase so you can stop just thinking about your genius ideas- you can make them a reality instead.


Do it on your time
Pay back those big expenses when you feel ready to pay them back.

How it works in 3 steps


Sync your data

We integrate with the biggest banks and accounting services so you can easily and securely connect with us.


Select your expenses &

set your terms

Select unpaid invoices or recently paid expenses, and choose repayment terms of 3, 6, 9, or 12 months.

Choose your payment terms
6 months
at 3.00%
20,600.00 / month
9 months
at 4.00%
13,900.00 / month
12 months
at 6.00%
10,600.00 / month
Image of a girl sitting looking at her computer


cash flows

Marketing, legal, and software service expenses can be burdensome. Spread them out and pay on your own schedule.
Chris Federspiel
Co-Founder & CEO Blackthorn

Capchase allowed us to scale ahead of revenue and helped us build a financial model, with great communication and trust.

Customer Stories

1,000+ customers are using Capchase to fuel their growth. Come get inspired.

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FAQ open accordion icon
How do I get funded?

Getting funded by Capchase is easy and can be done in 3 simple steps:

1. Sign up to get started.  
2. Sync your bank account, accounting software, and subscription management platform (if applicable).
3. From there, the Capchase team will begin the underwriting process, and terms are usually presented in less than 24 hours.

Once you review and agree to the terms, you will receive your funding.

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What makes Capchase different?

We partner with you to grow your business - We've been in your shoes and we want you to succeed. We're here to help you fuel your growth.

We are human-centered and personal, not transactional - We care about your success - you are not a number or a new investment class.

Transparent - No surprises or murky terms - We keep things simple. You know who you are funded by and our terms are straightforward.

Fast and efficient - We act fast so you can spend less time fundraising and more time growing.

Founder and customer friendly - Founders access capital fast with friendly terms. No need to pressure customers to pay annual contracts upfront, keep them happy with flexible monthly payments.

Flexible, easy, seamless - Capchase seamlessly integrates with your business. We make it simple, so you can spend less time tracking down lenders, investors or piles of paperwork.

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Why do companies use Capchase?

Fast-growing companies with predictable revenue face two major challenges: waiting for revenues to be realized over a 12-month period and funding growth under favorable terms.

Capchase solves both of these problems and enables companies to grow on their terms.

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What kind of companies use Capchase?

Capchase is built for tech companies with predictable revenue that are looking to grow quickly without taking unnecessary dilution.

We work with companies on different stages and sizes that serve several industries and geographies with various kinds of funding histories.

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How long does it take to get funded?

Financing terms are usually presented in less than 24 hours after you've integrated your financial systems with our secure platform.

Have a different question?
Contact us

Buy now, pay later for your business