Is an Interest Only Loan Right for You?
An Interest Only Loan is generally for companies that just need some cash to take them the final mile to their end goal. These companies typically have greater than $5 million in ARR and reasonable cash burn.
Eligible Companies
Interest Only Loans are tailored based on the specific metrics of your technology company. We offer risk-adjusted pricing to reflect your company’s unique characteristics.
-
Generating
+$5M ARR -
Recurring revenue technology businesses
-
Based in U.S. or Canada
-
Proven
product-market fit
(10+ clients) -
Delivering gross margin >50%
-
Capital efficient growth
How Interest Only Loans Work
- 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 2-3 years, repayments are interest-only or similar with a balloon payment at the end of the term.
- Risk adjusted rates between 15-18%
Benefits of Interest Only Loans
-
Retain ownership and control
We won’t ask for equity in your company, board seats, or personal guarantees. What’s yours is yours. Period.
-
Fixed payments
Your payments are fixed and predictable 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 process speeds things up so you can access capital within weeks.
We found debt-based financing to be a more founder-friendly method for growth as it means we don’t have to give away large chunks of our business. There is great DNA in a debt-based financing partner as they encourage good business practices. We’ve gained a partner who encourages us to grow wisely versus a partner who throws money, encourages unwise spending, and creates pressure to grow at an unsustainable rate.
We were looking at financing options where we didn’t have to give up any board seats or dilute our equity. I discovered TIMIA on LinkedIn and had some really great conversations with Mark in the beginning. As we were going through the discovery process, I found that TIMIA’s investment thesis really described Measured and what we were looking for in a financial partner really described TIMIA. It just felt like a really good fit.
We were interested in non-dilutive financing. We researched several vendors but we just liked TIMIA the best. They're very supportive of the business and helpful with introductions throughout the portfolio. You get a lot of extra support, alongside the capital.
Is an Interest Only Loan Right for You?
