Use Cases
Use your growth capital to reach your business goals. Whether you’re aiming to grow your valuation, scaling sales and marketing teams, acquiring new IP, or just cleaning up your cap table, we stay out of your way so you can get down to business.
Read MoreGrow Your Valuation
Non-dilutive financing from TIMIA can help founders grow their ARR sustainably and increase their valuation.
One of the most popular questions asked by SaaS founders is “How do I value my SaaS business?” Valuations are important to entrepreneurs seeking a healthy exit or a good VC deal.
While ARR is just one factor in early-stage company valuations, it plays a bigger role in growth-stage company valuations. For example, if your ARR is $1 million to $3 million, your valuation multiple might be three times ARR. If you can grow your ARR to from $3 to $10 million, you can increase that valuation multiple to six to ten times ARR.
By leveraging non-dilutive financing to grow the business sustainably from $1 million to $3 million and $3 million to $10 million, founders are in a much better position for an exit or VC event.
Giving up 20% of our company at the current valuation makes no sense. TIMIA Capital gives us time to get back to double-digit growth rates, grow our valuation, and raise capital when the environment is better.
This investment will give us more breathing room on our balance sheet and give us options if we want to accelerate investment in our innovation and growth. I typically use a simple net present value calculation based on the cost of capital and the cost of investments we can make to accelerate the enterprise value of the business.
Facilitate Business Model Transition
TIMIA's non-dilutive financing is ideal for tech companies undergoing a strategic pivot or business model transformation.
In the rapidly evolving tech industry, the ability to pivot can be the difference between success and failure. Whether it’s transitioning to a new market segment or investing in automation to cut down on service revenue, such shifts often come with financial strain.
Traditional debt providers might be wary of such changes, but TIMIA understands and values them. Our tech-enabled lending process can identify the potential in transitioning businesses, providing them the capital cushion they need during this transformative phase.
We plan to use this investment to drive deeper ‘platformitization’ of our solution and create an ever more scalable product to meet customer demand. TIMIA’s investment will help us fund this platform expansion, building more robust APIs and enabling further low code and configuration deployments. At the end of the day, it’s about allowing our customers to move faster and reduce capital expenditures.
Delay an Equity Raise
Non-dilutive financing from TIMIA can help you postpone your next equity raise until you grow your valuation and VC markets open up.
Venture capital investors have become more cautious about deploying funding in the current market, and many have paused funding to await a more favorable climate. As a result, tech companies face challenges securing the funding they need — and those that manage to secure it, face significant dilution.
By tapping into TIMIA’s non-dilutive financing, tech companies can delay an equity raise and bridge to their next pivotal funding round in 2025. Instead of relinquishing equity prematurely, founders can secure the capital they need to keep moving forward and get a much better deal from their VCs in the future.
The goal was to grow Noibu’s growth rate and ARR so that it would be in a strong position to raise equity financing down the line, and that’s what TIMIA really allowed us to do.
Scale Sales & Marketing
Non-dilutive financing from TIMIA can help founders build and drive their sales and marketing engines.
You’ve proven your product-market fit and now you just need some funding to build and fuel your sales and marketing engine.
Non-dilutive financing can help you fund new sales and marketing talent, purchase sales and marketing technology, increase advertising budgets, build repeatable sales models, and so on.
In essence, it’s like accessing your future ARR today!
Short-term loans end up being very expensive and inefficient. Since we are consistently doubling the inventory required, we need a more sustainable long-term solution. That’s when we found TIMIA.
Our first priority was always the product and supporting our customers. We were launching a new enterprise product category in the market so R&D required most of the resources early on. Once the enterprise product launched, our second priority was to invest in sales and marketing to drive growth.
Clean Up Your Cap Table
Non-dilutive financing from TIMIA can help founders buy out investors who have reached the end of their time horizons.
Tired investors can hinder the forward traction of your company. Sometimes they put unrealistic growth expectations on the team and apply pressure to take on more equity funding. Other times, they prevent you from raising much-needed growth capital because they don’t like the valuation.
Founders and management teams in either of these scenarios often consider ways to break free. However, most debt providers want their capital to be used to fuel growth—not to pay off equity owners.
TIMIA is comfortable managing the risk. We’ve developed a tech-enabled lending process that helps us identify and invest in SaaS companies so they can use their stable revenue growth to buy out investors, clean up their cap table, and enter an exciting new phase of growth.
Acquire New IP, Talent, or Market
Non-dilutive financing from TIMIA can help founders make acquisition decisions that can help them fill a gap in their solution, talent pool, or simply to acquire a customer base.
While debt financing is one of the most common ways to finance acquisitions, most growth stage companies lack the assets to back the debt and most venture debt providers want their capital to be used to fuel growth—not to acquire new companies.
TIMIA, on the other hand, is comfortable managing the risk. Our tech-enabled lending process that helps us identify and invest in SaaS companies so they can use their stable revenue growth to make acquisition decisions that will lead to even more growth!
Extend Your Runway
Fuel your growth and reach your next milestone without dilution with TIMIA's flexible solutions.
Navigating the tech funding landscape has its challenges, especially with cautious venture capital investors and uncertain market conditions.
By using TIMIA’s non-dilutive financing, tech companies can delay an equity raise, extend their runway, and keep the business moving forward.
Reach Cash Flow Positivity
Achieving cash flow positivity is a landmark goal for any startup — and TIMIA's non-dilutive financing can provide the extra push.
A cash flow positive status indicates financial health and is often seen as proof of a company’s operational efficiency. However, reaching this point usually requires a financial boost, especially in the capital-intensive world of tech.
TIMIA understands the intricacies of this journey. By leveraging our non-dilutive financing, tech companies can smooth out their cash flow challenges and sprint towards this milestone with confidence.
TIMIA’s investment has helped us accelerate our path to profitability. Our company valuation will skyrocket once we’re profitable so the sooner we get there, the better.
Now we’re on a really good trajectory, we’re profitable, and we’re ready to move to the next stage of growth. The learnings we took from being capital efficient sets us up for success in the long term.
Refinance Your Business
Refinancing needs can be multifaceted, and TIMIA's non-dilutive financing offers a versatile solution.
Tech companies can face financial stress from looming loan expirations, liquidity calls from capital providers, or ballooning accounts payable. Traditional refinancing routes might not always be accessible — or favorable.
TIMIA’s tech-enabled lending process recognizes these challenges and is geared to offer refinancing that’s tailored for the unique needs of tech businesses. With our help, companies can navigate their financial challenges and set themselves up for sustained growth.
As a scaling company, one thing you forget is that you need money to service customers. The TIMIA investment will also help to cover accounts receivable for 30-50 days and help with cash flow.
Position for an Acquisition
TIMIA's non-dilutive financing can be used to strategically position tech companies, making them prime targets for acquisition.
Being acquired is a lucrative exit strategy for many tech founders. However, to attract the right acquirers, businesses need to showcase impressive financial metrics and maintain a clean capital structure. TIMIA’s financing is ideal for this exact scenario.
Through our financing, companies can enhance their financial standing, ensuring they present themselves in the best light to potential acquirers, all while keeping their cap table clean and simple.
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