The lowest-cost, longest-term capital we offer. Term loans give software companies above $3M in revenue a fixed-rate lump sum with an interest-only runway — funded in under four weeks, with no warrants and no dilution.
Link billing, banking, and accounting in minutes. Your recurring revenue and margins are the underwrite — no deck, no forecast model.
We size the loan against your revenue and return a term sheet with the interest rate and interest-only period disclosed up front.
Accept the terms and we fund. If we do not close in under four weeks, something is wrong — that is our bar, not a promise.
A term loan advances a fixed lump sum against your recurring revenue, repaid over up to four years with an interest-only runway up front. You deploy capital now and protect cash flow while it compounds — keeping every share you own.
737 founders have used Founderpath to grow without giving up equity. From our first deal to today, the reviews speak for themselves.
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.
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!
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.
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.
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.
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.
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.
A term loan is a fixed lump sum of non-dilutive capital repaid over a set term — up to four years at Founderpath — usually with an interest-only period up front. You receive the capital now and keep 100% of your equity.
Term loans run from $500K to $10M, sized against your recurring revenue and margins. Most borrowers are mature software companies above $3M in annual revenue.
Interest starts at 15%, set by your growth, retention, and margins and disclosed in full on the term sheet before you accept. There are no warrants, no origination fees, and no prepayment penalty.
For up to the first 24 months you pay interest only — no principal — which protects cash flow while you deploy the capital. On a sample $4M loan that is roughly $735,000 of cash flow saved over the first year.
Most term loans close in under four weeks once your billing, bank, and accounting data are connected. If we do not close in under four weeks, something is wrong.
No. Term loans are 100% non-dilutive — no equity, no warrants, no board seats, and no full personal guarantee. We take a lien on business assets only.
Mature software companies with roughly $3M+ in annual revenue, healthy retention, and recurring or subscription revenue. Deals are available in most countries.
