It’s Your Company.
Keep It That Way.
It’s Your Company.

Refine Labs Team, Boston, MA

We provide debt capital to B2B recurring revenue technology businesses with between $2 million and $20 million in ARR. Our flexible financing solutions enable tech entrepreneurs to keep as much equity and control of their business — for as long as possible.

Who are you?

If you say yes to most of these, lets start the conversation.

  • At least $2 million annual recurring revenue
  • Growing recurring
  • Based in U.S. or Canada
  • Proven product-market fit (10+ clients)
  • Delivering gross
    margin >50%
  • Capital efficient growth
Get Funded

A Flexible Alternative to
Venture Capital

TIMIA Capital provides debt capital loans to growing B2B SaaS companies. We use a tech-enabled lending process so you can quickly access the capital you need to meet your business objectives.

Our team has a diverse range of experience in tech financing and entrepreneurialism so you can rest assured we’ll keep the best interests of your business front-and-center.

About us

Financing That Fits

Our debt facilities are tailored based on the specific metrics of each technology company we work with. Whether it’s an Amortized or Interest Only loan, we offer risk-adjusted pricing to reflect your company’s unique characteristics.

What You Can Expect

Start the conversation
  • Upfront cash injection $500k - $10 million
  • Flexible repayment plans
  • No board seats taken
  • Retained control and ownership of the company
  • Fixed interest rate, transparent structure, optional balloon
  • No warrants and no harsh covenants

Repayment waterfall

Estimated cost of capital from each provider.

  • 4-6%Senior debt

    Banks (i.e. CIBC, AvidBank, BridgeBank, RBC, etc)

  • 14-18%Junior/Subordinated debt

  • 20-40%Hybrid debt instruments

    Convertible notes provided by equity investors

  • 25-50%Short Term Loans

    Pipe, Clearco, etc

  • 25-45%Preferred stockholders

    Venture capital investors or larger angel investors from a series A or B

  • 35-60%Common stockholders

    Founders and early angel investors

Low Cost of capital High
EnergyWatch, New York, NY

It’s Your Capital.
The Sky’s the Limit.

Once your financing facility is drawn down, we stay out of your way. Spend your capital on the things that will help you reach your business goals.

Grow your valuation Scale sales & marketing Clean up your cap table Acquire new IP, talent, or market

Some of our impressive stats from over the years

  • $200m
    Loan facilities written
  • 80
    Portfolio companies since 2015
  • 35
    Successful early exits
  • 57%
    Average portfolio company revenue growth year over year

We’re nice to work with

Our team comprises a well-rounded blend of financial services experts and entrepreneurs. We know what it’s like to sit on your side of the table, which is why founders like to work with us.

The minute I found TIMIA, I felt like I found my tribe. From the language on the website, to the technology-driven application process and how I interacted with the team, it was obvious that TIMIA was a different animal. I really appreciated TIMIA’s software-centric, modern way of doing business.

Mark Godley
CEO, LeadGenius
LeadGenius CEO Mark Godley

We bootstrapped this company, and our expenses have scaled. TIMIA’s investment will provide a buffer for working capital and help us invest in both growth and product development.

Chris Walker
CEO, Refine Labs

TIMIA’s investment brings credibility to what we’re doing. It created momentum in all parts of our business and, most importantly, our results. Our future is even brighter with TIMIA as a partner.

Shalom Reinman
CEO, Megadata

Having previous fundraising experience, I was looking for an alternative to traditional venture funding. I wanted to keep all the equity in the company, if possible. Someone suggested I look into debt-based financing and I came across TIMIA. I’m very happy that this is the direction we’ve chosen.

Jennifer Mercer
CEO, Metazoa

Finding flexible and non-dilutive financing solutions was our goal, and TIMIA provided the capital within a framework that worked for us and our team. We look forward to working with TIMIA going forward as a financial partner.

Karl Swannie
CEO, Echosec
TransitScreen, Washington, DC
Echosec, Victoria, BC

Financial Services with an Entrepreneurial Flair

Our team comprises entrepreneurs, operators, and technology finance experts. We're on a mission to create value for entrepreneurs and investors.

About us

TIMIA Capital Provides the Best of Debt and Equity

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