It’s Your Company.Keep It That Way.It’s Your Company.
We provide debt capital to B2B SaaS businesses with between $2 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 +$1.5m annual recurring revenue
- Growing recurring
revenue - Based in U.S. or Canada
- Proven product-market fit (10+ clients)
- Delivering gross
margin >50% - Capital efficient growth
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 usFinancing 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
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 marketSome of our impressive stats from over the years
- $200mLoan facilities written
- 80Portfolio companies since 2015
- 35Successful early exits
- 57%Average portfolio company revenue growth year over year
Recent Portfolio Investments
Take a quick glace at a few of our more recent portfolio investments.
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.
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.
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.
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.
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.
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 usTIMIA Capital Provides the Best of Debt and Equity
