Revenue isn’t always linear. Smooth out the quiet months and keep your growth plan on track.
The situation and the way forward
Annual contracts renew in clusters, enterprise deals pay late, and some months are always quieter. When cash dips, the usual options are to cut costs, slow hiring or raise in a hurry, and none of them protect the growth you’ve earned.
A revolving credit facility you draw on when revenue timing doesn’t match your spend. Keep your team and your plan, and repay early when the cash comes in, with no penalty.
How teams use it
70% of your ARR renews in Q1, so cash is tight by Q3 even though the business is healthy. Draw in the slow months and repay as renewals land.
You sign three large contracts in June, and payment lands in September. Keep spending to plan while you wait.
Your vertical slows every summer. It has happened three years running. Instead of cutting headcount each July, draw from Float and keep the team intact.
Customer proof
SaaS, AI, or other digital subscription business.
18+ months of revenue history.
€500k+ in annual recurring revenue.
UK, Nordics, DACH, Benelux, Baltics, Ireland, Spain.
Revolving credit facility of up to EUR 3M. No dilution. No personal guarantees.
