HOW TO GROW A
B2B SAAS BUSINESS

Grow and scale your SaaS company without giving up equity or collateral with venture debt financing from River SaaS Capital.

GROW AND SCALE

HOW TO GROW YOUR
B2B SAAS BUSINESS

Grow and scale your SaaS company without giving up equity or collateral with venture debt financing from River SaaS Capital.

GROW AND SCALE

learn how to grow a saas business with the right partnership

There comes a time for many SaaS companies where Monthly Recurring Revenue (MRR) is over $150k but there simply isn’t enough capital on hand to grow and scale fast enough. Many of these companies turn to banks and venture capital lenders only to find they must put up a tremendous amount of collateral or give up equity in their companies. But those companies that turn to River SaaS Capital get the funds they need to aggressively grow and scale without giving up a dime in equity. Here, you’ll learn how to grow your SaaS business with our non-dilutive debt solutions.

There comes a time for many SaaS companies where Monthly Recurring Revenue (MRR) is over $150k but there simply is not enough capital on hand to grow and scale fast enough. Many of these companies turn to banks and venture capital lenders only to find they must put up a tremendous amount of collateral or give up equity in their companies. But those companies that turn to River SaaS Capital get the funds they need to aggressively grow and scale without giving up a dime in equity.

THE RIVER SAAS CAPITAL DIFFERENCE

THE RIVER SAAS CAPITAL DIFFERENCE

FASTER CLOSING
LESS LEGAL FEES

FLEXIBILITY

BETTER LONG-TERM FINANCIAL OUTCOMES

FASTER CLOSING
FLEXIBILITY
LESS LEGAL FEES
BETTER LONG-TERM
FINANCIAL OUTCOMES

02     VENDER DEBT FUNDING CRITERIA

SUCCESS BEGINS WITH THE RIGHT PARTNERSHIP

If you’ve been wondering how to grow your SaaS business, partnering with River SaaS Capital provides access to the venture debt financing you need to aggressively scale — giving you the flexibility to reach your goals, your way.

ELIGIBILITY
U.S. companies only, SaaS business model
MINIMUM MRR
$150K or $1.5M ARR
LOAN AMOUNTS
$500K – $1.5M (flexibility up to $5M)
PAYMENT TERMS
Typically 36–48 months, P&I monthly
LENDING TYPES
Standard installment loan
Interest-only
Step-up structure
FEES
No fees on most structures
FOCUS AREAS
High-growth SaaS early stage businesses in the U.S.
WARRANT POLICY
RSC does not accept warrants (Learn More) Covenants may be required
LOAN BENEFITS
Previous investment not required
Can be used alongside existing equity investment
Profitability and an exit strategy are not required
Tranche options available
Paid principal can be reborrowed at any time

02 VENDER DEBT FUNDING CRITERIA

SUCCESS BEGINS WITH THE RIGHT PARTNERSHIP

Partnering with River SaaS Capital means having access to the venture debt financing you need to aggressively grow and scale, giving you the flexibility to reach your goals, your way.

ELIGIBILITY
U.S. companies only, SaaS business model
MINIMUM MRR
$150K or $1.5M ARR
LOAN AMOUNTS
$500K – $1.5M (flexibility up to $5M)
PAYMENT TERMS
Typically 36–48 months, P&I monthly
LENDING TYPES
Standard installment loan
Interest-only
Step-up structure
FEES
No fees on most structures
FOCUS AREAS
High-growth SaaS early stage businesses in the U.S.
WARRANT POLICY
RSC does not accept warrants (Learn More) Covenants may be required
LOAN BENEFITS
Previous investment not required Can be used alongside existing equity investment Profitability and an exit strategy are not required Tranche options available Paid principal can be reborrowed at any time

THE RIVER SAAS CAPITAL PRODUCT

THE RIVER SAAS CAPITAL PRODUCT

River SaaS Capital is dedicated to helping founders and leaders wondering how to grow a SaaS business achieve their goals. That’s why we offer three different types of debt financing, so you can choose what works best for your company.

   INTEREST ONLY

Our most popular loan, Interest Only allows companies to focus on growth by only having them pay the interest on their loan for greater financial flexibility.

   STANDARD INSTALLMENT

The most traditional style loan, Standard Installment loans provide companies with debt capital in one lump sum with terms typically running 36-48 months.

   STEP-UP STRUCTURE

Similar to revenue-based financing, Step-Up Structures have a repayment structure that is mapped out during the application process that coincides with a company’s growth.

NOT READY FOR DEBT FUNDING YET?

We understand. It’s a big decision. Let us show you more about how to grow a SaaS business using venture debt financing — and how we can help.

04 RIVER SAAS CAPITAL ADVANTAGES

EXPERIENCE THE ADVANTAGES OF VENTURE DEBT FINANCING

NO OWNERSHIP

We don’t take an ownership stake in your company or a seat on your board, ever.

FLEXIBILITY

Previous investment and even profitability aren’t required to qualify.

LOAN OPTIONS

Borrow anywhere from $500k to $5 million based on your funding goals.

NO WARRANTS

Most debt lenders require warrants to invest, but River SaaS Capital doesn’t.

FUNDING SPEED

Our application process concludes faster than other available funding options.

LIMITED RISK

The repayment terms on your loan scale alongside your financial growth.

TRANCHE USAGE

Borrow only a portion of the loan amount to avoid paying more interest.

EXIT EASE

An exit strategy isn’t required to qualify for our venture debt financing.

BORROW AGAIN

You can re-borrow any repaid principal, extending the life of your capital.

TRUE PARTNERSHIP

We’ll be here to help your company grow from the very beginning.

EQUITY OPTIONS

Our equity financing serves as a strategic complement to venture debt financing.

04 RIVER SAAS CAPITAL ADVANTAGES

ENJOY THE ADVANTAGES OF VENTURE DEBT FINANCING

NO OWNERSHIP

We don’t take an ownership stake in your company or a seat on your board, ever.

FLEXIBILITY

Previous investment and even profitability aren’t required to qualify.

LOAN OPTIONS

Borrow anywhere from $500k to $5 million based on your funding goals.

NO WARRANTS

Most debt lenders require warrants to invest, but River SaaS Capital doesn’t.

FUNDING SPEED

Our application process concludes faster than other available funding options.

LIMITED RISK

The repayment terms on your loan scale alongside your financial growth.

TRANCHE USAGE

Borrow only a portion of the loan amount to avoid paying more interest.

EXIT EASE

An exit strategy isn’t required to qualify for our venture debt financing.

BORROW AGAIN

You can re-borrow any repaid principal, extending the life of your capital.

TRUE PARTNERSHIP

We’ll be here to help your company grow from the very beginning.

EQUITY OPTIONS

Our equity financing serves as a strategic complement to venture debt financing.

River SaaS Capital specializes in creating customized debt programs for SaaS companies with Monthly Recurring Revenue (MRR) of at least $150k that are looking to grow and scale. Companies that meet our qualification criteria will go through our Proven Process. 

River SaaS Capital specializes in creating customized debt programs for SaaS companies with Monthly Recurring Revenue (MRR) of at least $150k that are looking to grow and scale. Companies that meet our qualification criteria will go through our Proven Process. 

1. APPLY ONLINE
Ensures the company meets criteria to ensure venture debt is the right fit.


2. QUALIFYING NEW BORROWERS
Due diligence helps us understand the business in order to create a customized solution.


3. STRUCTURING THE DEAL
Establish loan structure and monthly payment schedule.


4. GROWTH
Continue the relationship over time to be able to lend up to $5M of debt or equity if needed.

learn how to grow a SaaS business with venture debt financing

We understand there is a lot to learn when it comes to how to grow a SaaS business and whether venture debt financing is the right solution for you. Don’t worry — we’re here to help. Fill out the form to get started.