Capchase offers non-dilutive revenue financing (Capchase Grow) and flexible B2B payment options (Capchase Pay) for software companies.
Capchase is a fintech company founded in 2020 and headquartered in New York, with additional offices in Madrid and Barcelona. It builds financing and payment products specifically for B2B software companies, and reports having funded more than 4,000 companies with over $2.5 billion in total financing.
The company's underwriting is automated: applicants connect their banking, accounting, and billing systems, and Capchase's algorithms assess the quality of their recurring revenue to return a financing offer, typically within 24 to 48 hours, without a pitch deck or business plan.
Capchase Grow is the core revenue-based financing product, advancing roughly 20 to 70 percent of a company's ARR against future recurring revenue, with transaction sizes from about $25,000 to $10 million and repayment terms generally spanning three to twelve months.
Capchase Pay addresses the buyer side of a deal: it lets a software vendor's customer pay for an annual or multi-year contract in installments while the vendor still collects the full contract value upfront, with the financing fee payable by the vendor, buyer, or split between them.
Capchase does not publish fixed pricing tiers. Capchase Grow charges a flat discount fee, commonly cited around 10 to 12 percent, split since 2023 into a Platform Fee (roughly 1 to 4 percent) and a separate Financing Fee, and generally requires a minimum ARR floor around $150,000.
Capchase Pay charges a flat financing fee per deal that can be paid by the vendor, the buyer, or split between them, with no separate platform, implementation, or integration fees. Exact terms for both products are determined per company through Capchase's underwriting process.
Capchase Grow is a revenue-based financing product that advances a portion of a SaaS company's future annual recurring revenue in exchange for a flat fee.
Capchase Pay is a B2B payment product that lets a vendor's customers pay for annual or multi-year contracts in installments, while the vendor is paid the full contract value upfront.
No, Capchase's financing products are non-dilutive — companies don't give up equity or board seats.
Underwriting decisions are typically returned within 24 to 48 hours after a company connects its banking, accounting, and billing data.
Primarily B2B SaaS and hardware companies with recurring revenue meeting Capchase's minimum ARR and cash runway requirements.