Is Revenue Financing Right for You?
TIMIA’s Revenue Financing loans are ideal for bootstrapping companies looking to grow their business without dilution. They can be used to fuel growth with sales and marketing, fund the cost of customer acquisition, buy out tired investors, build valuations, or acquire another company.
Revenue Financing is tailored based on the specific metrics of your SaaS company. We offer risk-adjusted pricing to reflect your company’s unique characteristics.
How Revenue Financing Works
- TIMIA has a three-phase proprietary tech-enabled lending process. We work with you to complete the phases quickly.
- Once approved, get an upfront cash injection of up to 6–12 times your current MRR.
- Repay the loan over 3-6 years, repayments grow as your revenue increases and caps at 1.8x.
Benefits of Revenue Financing
Retain ownership and control
We won’t ask for equity in your company, board seats, or personal guarantees. What’s yours is yours. Period.
Flexible repayment plans
Your payments grow as your ARR grows so you’ve time to breathe and focus on your business without worrying about high repayments in the early days.
You decide how to spend the capital
Unlike other lenders, TIMIA doesn’t tell you how to run your business. Spend the growth capital as you wish.
We move as fast as you
Our tech-enabled lending platform expedites our lending processes so you can access 6-12 times your monthly recurring revenue within weeks.
If there is an equity round, we'll be in a better negotiation spot. If there isn't an equity round, we'll be in a better position for an exit or M&A. Either way we'll be in better shape with TIMIA than we would have been otherwise.
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 revenue-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 to help us to continue our 40%+ growth is not easy in the software as a service or SaaS sector. We look forward to partnering with TIMIA through the course of our financing facility with them.
A lot of businesses like ours get themselves in trouble because they bring on a lot of private equity and venture funding. When the time comes for a liquidity event, the employees and entrepreneurs don’t fare too well. We’ve taken a different approach.
Essentially, we were in the ‘Goldilocks Zone’ — we had all this great stuff happening that would have a positive — and hopefully exponential — impact on our revenue, but if we looked at equity financing at that point, we would be dinged in valuation because those opportunities were not productive as yet. And that’s when we discovered the potential of revenue-based funding to close that gap.