3 runway planning frameworks SaaS leaders are using in 2025
Knowledge
September 2, 2025
Building a SaaS company today means managing predictable revenue with unpredictable cash needs. Your ARR is your greatest asset, but most of the funding ecosystem still treats SaaS like any other business model. Float exists because that gap has become impossible to ignore.
Growing a SaaS company in 2026 is a paradox:
And yet, the funding ecosystem around you still behaves like it’s 2013.
Float exists because there is a systemic mismatch between how SaaS companies operate and how the capital markets try to fund them.
Let’s talk about the reality operators actually live in.
The moment your product clicks or NRR strengthens is the moment you get pulled into fundraising.
Decks. Metrics. “One more meeting.” Data rooms. Three months evaporate.
Founders know the truth:
Most rounds are raised when you don’t have the time to raise them.
And by the time the cash arrives, the opportunity window has moved.
This is the real contradiction.
You can predict your ARR with surprising accuracy. You cannot predict exactly when:
ARR is stable.
Cash flow isn’t.
And rigid funding doesn’t fit that pattern.
Founders are often forced into two suboptimal options:
Option A
Raise equity earlier than you want → dilute more than you should.
Option B
Don’t raise → slow hiring, slow GTM, slow everything.
Reality for most operators:
You don’t want to sell equity for operational cash.
You want to sell equity for long-term upside.
But the market rarely gives you the luxury to separate the two.
SaaS is not static. It moves in cycles:
Most capital behaves like the opposite — rigid, linear, fixed, scheduled. That mismatch creates friction, not growth.
Float starts where most lenders don’t: with how recurring revenue actually behaves.
We value the fundamentals that matter in a SaaS model:
Not dilution.
Not personal guarantees.
Not investor pedigree.
SaaS is one of the most measurable business models ever created, capital should reflect that.
Your ARR determines your credit capacity - not your collateral, not your personal net worth, not your investor list.
As ARR grows, your access to capital grows. No fundraising needed to keep growing.
No draw fees.
No facility fees.
No “use it or lose it.”
You pay a simple discount fee only on what you draw.
Clarity > complexity.
Businesses don’t grow in straight lines. Your capital shouldn’t arrive like it does.
When you need capital, it’s there. When you don’t, it sits quietly.
That’s the point:
access capital without pressure, and the peace of mind that you’re funded on your terms, not forced into using money you don’t need.
Every draw can be shaped to your situation:
Because no SaaS operator should be forced into a single, rigid repayment template.
Strong CS quarter?
Scaling outbound?
Launching a new tier?
Hiring ahead of the pipeline?
Bridging to stronger unit economics?
Your capital should follow your strategy - not dictate it.
Not to gamble.
To double down on proven efficiency.
Runway isn’t survival.
Runway is leverage.
More runway → better NRR → stronger metrics → higher valuation.
If you need 6–12 months to strengthen numbers, Float buys you that time.
Hiring is the lagging indicator of capital access. Float lets you bring talent forward without overextending.
ARR is stable. Cash isn’t. Float closes the gap.
Some of the highest-ROI decisions aren’t glamorous. They’re system upgrades, pricing changes, onboarding revamps, automation. All require cash up front. Float unlocks them.
Founders don’t need another complex capital product.
They need clarity and speed.
Every SaaS company moves differently.
Your capital should too.
When growth appears, capital needs to be ready.
Float is.
Every SaaS business has strengths and work-in-progress areas. When we review a company, we’re trying to understand the whole story, not run an automated pass/fail test.
We typically look at:
You don’t need to “tick every box”.
What matters is how your revenue behaves and where the business is heading, so we can shape a funding line that actually fits your reality.
The ecosystem hasn’t kept up with SaaS. Float is closing that gap.
Capital should adapt to your business, not the other way around.
Float is built for the operators who see the next move clearly and need flexible, non-dilutive capital to execute it.
Calculate your credit line, understand your capacity, or talk to us about your 2026 plan. We’ll walk the numbers with you, and if we’re a fit, we’ll move fast.
Float: Funding that complements SaaS
Get capital that strengthens the business you’re already building.
Let’s talk
.avif)