3 runway planning frameworks SaaS leaders are using in 2026
Knowledge
September 2, 2025
Capchase built one of the first dedicated credit facilities for SaaS companies. Their product, Capchase Grow, gave founders a line of credit based on recurring revenue. You connected your data, got a facility, and drew capital when you needed it. No equity. No warrants. No board seats.
It worked. A lot of founders relied on it.
Then Capchase moved on. Their focus shifted to Capchase Pay, a B2B Buy Now, Pay Later platform for vendor financing. The product that SaaS founders built their capital stack around is no longer the company's priority.
Float took that same model and pushed it further. Simpler onboarding. More flexible terms. Every draw is customizable with its own repayment schedule and grace period, and you get to pick the payout date. A growing number of founders who started with Capchase have already moved to Float. Not because something went wrong. Because they found a team that understands recurring revenue inside out and built the entire product around it.
Capchase started in 2020 as a revenue-based financing provider for SaaS companies. Capchase Grow let you access up to 60% of your ARR as a credit facility. Fees were only charged on what you drew. It was a clean product.
Over time, Capchase shifted its focus toward B2B payments. Capchase Pay lets software vendors offer their buyers flexible installment plans while the vendor gets paid upfront. In September 2024, Capchase became Stripe's first B2B BNPL payment method in the United States. In June 2025, they acquired Vartana, a vendor financing platform, to go deeper into this space.
Capchase Pay solves a real problem. It helps sales teams close deals faster by removing payment friction for buyers. But it solves a sales cycle problem, not a balance sheet problem. It does not give you a flexible pool of capital to draw from when you need to hire, invest in product, or extend your runway.
Capchase Grow deserves credit. It was one of the first credit facilities built specifically for recurring-revenue companies. You connected your financial data, got a facility linked to your ARR, drew when you needed capital, and paid only for what you used. No equity. No warrants. No six-month negotiation. For a lot of SaaS founders, it was the first time non-dilutive capital actually felt accessible. Capchase showed the market that SaaS metrics could underwrite real credit, and that mattered. It proved the model works.
Float took that model and kept refining it. Fully customizable draws, grace periods Capchase never offered, and full European coverage.
Here is where the differences add up:
Float facilities range up to EUR 3M, with limits that scale automatically as your ARR grows. Your facility is not a one-time offer. It is a revolving line that expands with your business.
Each draw on your Float facility is fully customizable. You choose the amount you want to draw (you pay only for what you draw), the repayment term (6, 9, 12, 15, 18, or 24 months), a grace period of 0, 3, or 6 months, and the payout date. This means you can match your capital to the specific investment you are making, whether that is a short-term hiring push or a longer runway extension.
Every draw can include a grace period of 0, 3, or 6 months before repayment begins. Capchase Grow did not offer this. It gives you breathing room to deploy capital and see returns before the first payment is due.
Float serves 16 markets: United Kingdom, Ireland, Germany, Switzerland, Netherlands, Sweden, Norway, Finland, Denmark, Estonia, Spain, Belgium, Lithuania, Austria, Iceland, and Italy. We understand the regulatory, banking, and currency landscape that European SaaS companies operate in. Capchase was always US-first.
Float provides revolving credit facilities to B2B SaaS companies and digital businesses with recurring revenue. Every person on our team, every model we build, every partnership we form is oriented around making your facility better.
Float has deployed over EUR 120M across 500+ loans to 140+ companies across Europe. Trustpilot rating: 5 out of 5 stars. The Float Street Journal, our newsletter, is read by 12,000+ European SaaS leaders.
The founders moving to Float are not doing it out of frustration. They are doing it because they want a funding partner that is simple to work with, flexible enough to fit their business, and reliable when it counts.
Here is what we hear from founders who made the switch:
They liked Capchase Grow. It gave them a clean way to access capital. But when a provider shifts focus, you feel it. Priorities change. Product investment goes elsewhere. And if your capital stack depends on a product that is no longer the company's main bet, that is a risk you do not need to carry.
Float removes that risk. Onboarding takes days, not weeks. Every draw is structured the way you need it. Your facility grows automatically as your ARR grows. And because Float only does one thing -- revolving credit for recurring-revenue businesses -- nothing about your experience changes when someone in a boardroom decides to chase a different market. The product keeps getting better because it is the only product.
The process is straightforward.
Create a Float account and securely sync your financial data. This takes minutes.
We review your metrics and set your facility limit based on your ARR, retention, and growth profile.
Use your first Float draw to pay off any remaining positions with your previous provider. One draw, clean exit.
Your funding is now in a single flexible facility that grows with your business. Draw. Grow. Repeat.
The whole process typically takes days, not months. No board presentations. No term sheet negotiations. No dilution.
Capchase built something valuable for SaaS founders. They proved the model works. Then they chose a different path.
Float picked up where they left off and kept going. If you are a B2B SaaS company in the United Kingdom, Ireland, or anywhere in Europe, and you want a dedicated, revolving credit facility that scales with your ARR, Float is the natural next step.
Same model you trusted. A team that is not going anywhere.
Calculate your credit capacity and see what your Float facility could look like.
No. Switching from Capchase Grow to Float typically saves money. Float is a revolving credit facility, so you only pay fees on what you draw. Most founders use their first Float draw to pay off any remaining balance with their previous provider. There are no switching fees, no setup costs, and no penalties. Because Float offers longer repayment terms (up to 24 months) and grace periods (up to 6 months), your total cost of capital is often lower than what you were paying before.
A Float facility is completely confidential. Your customers are never notified. There is no assignment of receivables, no change to your invoicing, and no third-party communication with your buyers. Your customers continue paying you as normal. Float underwrites based on your financial data and SaaS metrics, not your customer relationships.
Float works with B2B SaaS companies and digital businesses with recurring revenue that have at least EUR 500K in annual recurring revenue (ARR). You also need a track record of customer retention and revenue growth. Float serves companies across 16 European markets: United Kingdom, Ireland, Germany, Switzerland, Netherlands, Sweden, Norway, Finland, Denmark, Estonia, Spain, Belgium, Lithuania, Austria, Iceland, and Italy.
Yes. Capchase Pay and Float solve different problems and work well side by side. Capchase Pay is a B2B Buy Now, Pay Later tool that helps your sales team close deals by offering buyers flexible installment plans. Float is a revolving credit facility that gives you a pool of capital to draw from for hiring, product investment, market expansion, or extending runway. One helps your buyers pay. The other funds your growth.
Yes. Many Float companies set up their facility and keep it as a standby line. You pay nothing until you draw. There is no commitment fee and no obligation to use it. Having the facility in place means you can move fast when the right opportunity appears -- a key hire, a new market, or an acquisition -- without starting a fundraising process from scratch. Your facility limit scales automatically as your ARR grows, so it is always ready when you are.
