You have strong ARR, healthy NRR, and a clear growth roadmap. But the financing options available to you were built for a different kind of business; slower, asset-heavy, and comfortable with the status quo.
Banks want collateral you don't have.
VCs want equity you don't want to give.
Revenue-based lenders cap out before you need them.
And venture debt takes months and millions in legal fees before you see a penny.
SaaS financing solves this. It's capital structured around what you actually have: predictable, compounding recurring revenue. No compromise on ownership. No waiting months for a decision.
SaaS financing is a form of non-dilutive debt capital designed specifically for software companies with recurring revenue. Instead of evaluating physical assets, collateral, or profitability, lenders like Float assess the quality and predictability of your annual recurring revenue, churn rate, net revenue retention, and customer concentration.
SaaS financing lets you access capital quickly, without giving up equity, accepting warrants, or pledging personal assets. The funding is sized to your revenue and repaid as your business grows making it one of the most founder-friendly financing structures available to B2B SaaS companies today.
A SaaS financing provider connects to your billing, accounting, or payment data to analyse your recurring revenue profile. Based on ARR quality metrics such as NRR, churn, growth rate, customer mix, they determine how much capital you can access and at what cost. Funds are typically available within days of approval. Repayment is structured around predictable monthly installments.
Connect your accounting, bank transactions, and subscription data with Float. We analyse to get you the best credit offer. Your data is protected under NDA and handled with bank-grade security.
Within a couple of days, you receive a personalized credit offer. No hidden fees, no opaque pricing. You see exactly how much SaaS financing you can access and what it costs before you commit to anything.
Draw what you need, when you need it. Tailor the terms per draw, choose your payout date, and pay only for what you actually use. Your credit limit grows with your ARR, so as your revenue scales, your financing capacity scales with it. A constant, on-demand capital supply to hit your milestones without interruption.
Deploy SaaS financing into paid acquisition, sales headcount, or market expansion before your next funding round. Float lets you move on the opportunity now, using revenue you've already earned.
Raise your Series A or B on your terms, not because you're out of time. SaaS financing gives you 6–18 months of additional runway to sharpen your metrics and negotiate from strength.
Hire the engineers or designers you need without the dilution that comes with it. SaaS financing is particularly effective for product-led growth companies that need to invest ahead of the revenue curve.
Annual contracts, renewal cycles, and seasonal patterns create cash flow timing gaps. SaaS financing closes them without forcing you to restructure your business model or offer discounts to collect early.
Replace high-cost convertible notes or existing revenue-based financing with a cleaner, better-structured facility. Float's SaaS financing works alongside your existing cap table.
Float's SaaS financing is purpose-built for European and UK B2B software companies. If you have predictable recurring revenue, a subscription or usage-based model, and a clear plan for the next phase of growth, you're likely a strong fit.
SaaS financing refers to non-dilutive capital solutions designed specifically for B2B SaaS companies. Unlike traditional bank loans or VC funding, SaaS financing is based on your recurring revenue — so you access capital quickly without giving up equity or personal guarantees.
SaaS financing refers to non-dilutive capital solutions designed specifically for B2B SaaS companies. Unlike traditional bank loans or VC funding, SaaS financing is based on your recurring revenue — so you access capital quickly without giving up equity or personal guarantees.
A bank loan requires collateral, a long approval process, and often personal guarantees. SaaS financing is underwritten on your recurring revenue — no assets, no guarantees, and decisions in days. Repayment is structured around your revenue performance rather than fixed monthly payments.
A bank loan requires collateral, a long approval process, and often personal guarantees. SaaS financing is underwritten on your recurring revenue — no assets, no guarantees, and decisions in days. Repayment is structured around your revenue performance rather than fixed monthly payments.
Float provides revenue-based financing of up to 70% of your ARR. If you have €1M ARR, you could access up to €700K. The exact amount depends on your revenue quality, churn rate, and growth trajectory. Use Float's funding calculator for an instant estimate.
No. Float's SaaS financing is fully non-dilutive — you keep 100% of your equity. There are no warrants, no board seats, and no personal guarantees. You repay from future revenue, not from ownership.
Float typically works with B2B SaaS companies generating at least €250K ARR, with at least 6 months of revenue history operating in Europe. There is no minimum team size or profitability requirement — Float funds high-growth companies at various stages.
What is SaaS financing?
SaaS financing is non-dilutive capital structured for software businesses with recurring revenue. Instead of giving up equity, you borrow against your ARR and repay as your revenue grows. It's faster to access than venture debt and requires no personal guarantees.
How is Float different from a bank loan?
A bank loan requires collateral, a lengthy approval process, and often personal guarantees. Float's financing is underwritten on your recurring revenue — no assets, no guarantees, and decisions in days. Repayment is structured around your revenue performance rather than fixed monthly instalments.
How much can I raise with Float?
Float provides revenue-based financing of up to 70% of your ARR. The exact amount depends on revenue quality, churn rate, and growth trajectory. Use Float's funding calculator for an instant estimate.
Do I need to give up equity to get SaaS financing?
No. Float's SaaS financing is fully non-dilutive. You keep 100% of your equity. There are no warrants, no board seats, and no personal guarantees. You repay from future revenue, not from ownership.
