Line of Credit

Draw only what
you need.

A committed revolving line you lock in once and draw from whenever cash flow turns lumpy. Pay interest only on what you use, pay it down anytime, and draw again — no equity, no penalty.

$250K–$5M facilityDrawn only interestNone equity taken
Credit facility
$2,000,000
Drawn $650KAvailable $1.35M
InterestOn drawn only
DrawAnytime
RepayNo penalty
Equity takenNone
740 founders

Smart founders find clever ways to keep their equity.

Badger Maps
Exercise.com
ContactMonkey
MobileMonkey
CyberSmart
Kissflow
Reply.io
BetterComp
Actionable
Jetpack
Smarter Contact
HostiFi
How it works
Committed up front, drawn in minutes
01

Connect your data

Link billing, banking, and accounting in minutes. Your recurring revenue sizes the facility — no deck, no forecast model.

02

Lock in your facility

We commit a revolving line up front with the rate disclosed. Nothing accrues until you draw — the capital simply sits ready.

03

Draw and repay at will

Pull capital in minutes when you need it, pay interest only on what you draw, and pay it down whenever you want.

Terms & pricing
Every figure disclosed up front
Structure
Revolving line
Facility size
$250K–$5M
Interest
On drawn balance only
Draw
Anytime, in minutes
Repay
Anytime, no penalty
Warrants
None
Equity taken
None
Commitment
Locked in up front

The most efficient capital is the capital you only pay for when you use it.

A revolving line commits a pool of capital up front and lets you draw against it on demand. Interest accrues on the drawn balance only, you pay it down whenever you want, and the line refills — so financing tracks your cash flow instead of a fixed schedule.

  • Draw only what you need, when you need it — interest accrues on the drawn balance only.
  • Pay it down anytime and free the capital back up, with no prepayment penalty.
  • The facility is committed up front, so capital is ready the moment cash flow turns lumpy.
  • 100% non-dilutive — no equity, no warrants, no board seats.
5-star reviews
Verified on Trustpilot · 4.9/5

Supporting founders since 2021.

740 founders have used Founderpath to grow without giving up equity. From our first deal to today, the reviews speak for themselves.

$271M
Funded to founders
740
Startups funded
4.9/55 star rating
On Trustpilot
5 star rating

"Founderpath understands startups!"

Founderpath understands startups! They bring the VC mentality without the equity. It's a great bet over traditional banks or other lenders like Novel. We found that their terms are the most founder-friendly, and they move quickly.

Seth Killian
Seth Killian
Verify ↗
5 star rating

"Great experience, professional team, highly recommend"

A seamless, pleasant experience from start to finish. Nathan and his team are great to work with, responsive, knowledgeable and diligent. We were able to successfully close in less than a week. I highly recommend them!

Vishy Visweswaran
Vishy Visweswaran
Founder of SupplyHive
Verify ↗
5 star rating

"Founderpath is the easy button!"

Founderpath is the easy button! They move very quick, the slowest part of getting money was me. We have a unique business model and they took the time to understand it and get behind us. Looking forward to more rounds together.

Rachel Kuhr Conn
Rachel Kuhr Conn
Founder of Productable
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5 star rating

"Happy Founder helped by FounderPath"

I signed up for Founderpath on Feb 16th and had access to $100k on the 17th. We built that into our plans and eventually used the capital in August. The team responded quickly to emails. The free reporting they've built for SaaS founders is more insightful than the other paid saas reporting tools out there. Am a super happy founder, and we have drawn additional funds since then. Kevin and the team are wonderful to work with and are absolutely startup friendly.

Ravishankar Gundlapalli
Ravishankar Gundlapalli
Founder of MentorCloud
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5 star rating

"Refinanced my Capchase Deal with $1.5m From Founderpath"

After trying all the RBF platforms out there, we found FounderPath to be the best one to work with, having the best terms, and also giving us added value that nobody else could. FounderPath also worked with us to help us resolve our unique situation, and make our payment more predictable and flexible. With FounderPath, it's not just the money - it's being part of a financial support network. Also, switching from our previous provider (CapChase) was extremely easy and smooth.

David Tabachnikov
David Tabachnikov
Founder of ScholarshipOwl
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5 star rating

"Nothing but good things to say"

The cost of capital is significant, but it's still cheaper than giving annual prepay discounts to customers and it doesn't dilute the shareholders. We have since done two separate draws, and are planning to continue using Founderpath as an effective no-dilution funding vehicle as we grow.

Daniel Lang
Daniel Lang
Founder of Mangomint
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Eligibility

See your terms in
under five minutes.

No pitch deck, no scarcity, no countdowns. Connect your data and we'll show you exactly what you qualify for — every figure disclosed up front.

$500K+Last-year revenue
RecurringSubscription or repeat revenue
HealthyRetention & gross margins
Line of credit FAQ
Term-sheet answers, no fine print

A revolving line is a committed pool of capital you can draw from, repay, and draw again. You pay interest only on the balance you have drawn — not on the full facility.

A term loan is one fixed lump sum repaid on a schedule. A line of credit lets you draw only what you need, when you need it, and pay it down anytime — so it is more efficient for lumpy or seasonal cash flow.

Facilities run from $250K to $5M, sized against your recurring revenue. The full line is committed up front and ready to draw.

You pay interest only on the drawn balance, at a rate disclosed up front. Undrawn capital sits ready at no interest, and there is no prepayment penalty.

Once the facility is in place you can draw in minutes, as often as you need, straight to your account.

No. The line is 100% non-dilutive — no equity, no warrants, no board seats, and no full personal guarantee. We take a lien on business assets only.

Software companies with recurring revenue and healthy retention that want capital on standby for lumpy cash flow rather than a single lump sum.