Non-dilutive funding products for SaaS founders
Seven ways to fund your business without giving up equity. Compare on ticket size, term, and stage fit — then pick the one that matches your need today.
Revenue Financing
Get upfront cash for future receivables. RPA structure with no warrants.
Term Loans
Fixed-rate growth debt with a 2-year draw window.
Line of Credit
Draw capital as you need it; pay interest only on what you use.
Payday
Same-day advance on next month’s subscription revenue.
Merchant Cash Advance
Revenue-tied repayment for non-SaaS businesses with daily card volume.
Valuations
Free benchmarked SaaS valuation built from your Stripe + bank data.
Data Room
Auto-built investor-ready data room from connected accounts.
Which product when?
| Product | Best for | Ticket size | Term |
|---|---|---|---|
| Revenue Financing | SaaS with annual contracts that pay monthly | $100K – $5M | 12–36 months |
| Term Loans | SaaS with $1M+ ARR ready to scale | $500K – $10M | 24–48 months |
| Line of Credit | SaaS managing lumpy cashflow | $250K – $5M | Revolving |
| Payday | SaaS needing immediate working capital | $10K – $250K | 1–3 months |
| Merchant Cash Advance | Brick-and-mortar, ecom, hospitality | $25K – $1M | 6–18 months |
| Valuations | Founders exploring exit, raise, or refinance | Free | Instant |
| Data Room | Founders raising or selling | Free | Always-on |
Frequently asked questions
Which Founderpath product is right for my stage?
If you have annual contracts paying monthly, start with Revenue Financing. If you have $1M+ ARR and want growth debt with a draw window, look at Term Loans. If your cashflow is lumpy, a Line of Credit is more efficient than a fixed loan. Payday covers same-month gaps. Use the comparison table above to match ticket size and term to your need.
Do any Founderpath products require warrants or equity?
No. Every Founderpath product is fully non-dilutive — no warrants, no penny options, no equity. You keep 100% ownership.
How fast can I get funded?
Payday funds same-day on approved accounts. Revenue Financing typically funds within 48 hours after a Stripe/bank connection. Term Loans and Lines of Credit take 1–2 weeks for underwriting.
Can I use multiple products together?
Yes. Many founders stack Revenue Financing for monthly cash with a Term Loan for a one-time growth push, or pair a Line of Credit with Payday for short-term flexibility.
What does it cost?
Pricing is published per-product. Revenue Financing starts at a 7% flat discount fee. Term Loans start at 14% APR. Line of Credit pricing varies by draw amount. There are no origination fees, no warrants, no prepayment penalties on any product.
How do I apply?
Create a free Founderpath account, connect your Stripe and bank, and a funding offer surfaces in your dashboard within minutes. No pitch deck, no calls required to see terms.
Ready to see your funding offer?
Connect Stripe and your bank. See real offers — RPA, Term Loan, Line of Credit — in under a minute. No calls, no pitch deck.
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