How we picked
Filtered to RBF providers specifically built for SaaS. Excluded generalist RBF (Wayflyer, Clearco) which focus on e-commerce. Ranked by SaaS-specific underwriting depth and founder reviews.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Capchase | Best for established SaaS ($100K+ ARR) | $25,000 – $100,000,000+ | Funding in 48 – 72 hours after approval | No FICO check — ARR-based | Apply → |
| Pipe | Best ARR marketplace model | Varies by ARR | Funding in 24 – 72 hours | No FICO check — underwrites against ARR | Apply → |
| Founderpath | Best for bootstrapped SaaS founders | $10,000 – $5,000,000+ | Funding in 1 – 7 days | No FICO check — ARR-based | Apply → |
| Stripe Capital | Best for Stripe-using SaaS (embedded) | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | Apply → |
| Re:cap | Best for European SaaS | €10,000 – €10,000,000+ | Funding in 1 – 5 days | No FICO check — ARR-based | Apply → |
| Amazon Lending | Best for Amazon-marketplace SaaS | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best for established SaaS ($100K+ ARR)
Capchase
Max amount
$100,000,000+
Cost
Discount on future ARR (typical effective cost 8 – 15% APR)
Speed
Funding in 48 – 72 hours after approval
Min credit
No FICO check — ARR-based
Why we picked it
SaaS-specific RBF with sophisticated platform integrations. Multiple products: Grow (ARR advance), Pay (B2B BNPL), Earn. Strong founder reviews.
The strength
SaaS-specific RBF with sophisticated underwriting using your billing platform data (Stripe, Chargebee, Recurly integrations). Multiple products: Capchase Grow (ARR advance), Capchase Pay (B2B BNPL), Capchase Earn.
The watch-out
SaaS-only. Pricing competitive but not cheapest — VC-backed SaaS with revenue traction often gets better terms from venture debt funds. Setup requires platform integrations.
Qualifications
6 months
$8,000+ MRR
No FICO check — ARR-based
#2 · Best ARR marketplace model
Pipe
Max amount
Varies by ARR
Cost
Single fee, typically 6 – 14% per advance (effective APR varies)
Speed
Funding in 24 – 72 hours
Min credit
No FICO check — underwrites against ARR
Why we picked it
Marketplace approach — investors bid on your future ARR. Strong for SaaS with predictable recurring revenue. Repeatable funding cycles.
The strength
Marketplace-style approach to RBF — investors bid on your future ARR. Strong for SaaS with predictable recurring revenue. No equity dilution. Repeatable funding cycles.
The watch-out
2023 pivot from peer-to-peer marketplace model toward direct lending changed pricing dynamics. Best fit specifically for SaaS — generalist applications get less favorable terms.
Qualifications
6 months
$15,000+ MRR
No FICO check — underwrites against ARR
#3 · Best for bootstrapped SaaS founders
Founderpath
Max amount
$5,000,000+
Cost
Single discount on future ARR (effective 8-15% APR equivalent)
Speed
Funding in 1 – 7 days
Min credit
No FICO check — ARR-based
Why we picked it
Lower MRR floor ($5K+) than Capchase/Pipe. Founder-friendly marketing and terms. Best for early bootstrap stage.
The strength
SaaS-specific RBF founder-focused alternative to Capchase/Pipe. Lower MRR minimum ($5K). Marketing emphasizes founder-friendly terms.
The watch-out
Smaller scale than Capchase/Pipe. Best terms still require predictable recurring revenue.
Qualifications
12 months
$5,000+ MRR
No FICO check — ARR-based
#4 · Best for Stripe-using SaaS (embedded)
Stripe Capital
Max amount
$1,000,000+ (varies by Stripe volume)
Cost
Single fixed fee disclosed at offer (typically 5 – 18%)
Speed
Funds same business day for eligible merchants
Min credit
No FICO check — underwrites against Stripe data
Why we picked it
Embedded in Stripe Dashboard. Pre-qualified offers. Single fee. Best for SaaS doing 100% of processing through Stripe.
The strength
Best-in-class developer/founder experience. Embedded directly in Stripe Dashboard with pre-qualified offers. Single fee structure. Repayment auto-deducted as percentage of daily Stripe transaction volume. Strong fit for SaaS, marketplaces, platforms.
The watch-out
Only available to active Stripe merchants. Stripe chooses offer eligibility — can't request. Repayment percentage (typically 10-25% of daily Stripe sales) reduces operating cash. Changing payment processors mid-loan triggers payoff acceleration.
Qualifications
6 months
Stripe processing volume drives offers
No FICO check — underwrites against Stripe data
#5 · Best for European SaaS
Re:cap
Max amount
€10,000,000+
Cost
Single discount on future ARR
Speed
Funding in 1 – 5 days
Min credit
No FICO check — ARR-based
Why we picked it
European-focused. EUR/GBP denominated. Strong fit for EU/UK SaaS not wanting to cross to USD lenders.
The strength
European-focused SaaS RBF. Strong fit for EU/UK SaaS companies wanting non-dilutive capital denominated in EUR/GBP.
The watch-out
Europe-focused — US fit limited. Newer entrant compared to Capchase.
Qualifications
12 months
€10,000+ MRR
No FICO check — ARR-based
#6 · Best for Amazon-marketplace SaaS
Amazon Lending
Max amount
$750,000
Cost
APR varies (typical 6 – 16% APR for term loans)
Speed
Funds in 5 business days once accepted
Min credit
No FICO check — uses Amazon seller history
Why we picked it
For SaaS selling via Amazon Marketplace Web Services or AWS partner programs. Uses Amazon revenue data.
The strength
Invitation-only product for Amazon FBA sellers with strong sales history. Repayment via Amazon settlements (auto-deducted). Lower cost than most MCA alternatives. No personal guarantee on standard offers.
The watch-out
Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Qualifications
12 months
Amazon sales volume drives offers
No FICO check — uses Amazon seller history
Frequently asked questions
- What is revenue-based financing for SaaS?
- RBF lets you advance future ARR (annual recurring revenue) in exchange for a single fee or discount. You repay either via fixed monthly payments or revenue-share percentage. No equity dilution, no personal guarantee on standard programs. Underwritten via your billing platform data.
- Is RBF cheaper than venture debt?
- Usually no — venture debt typically prices at 8-12% APR for VC-backed companies. RBF effective costs are 12-20% APR equivalent for healthy SaaS. RBF wins when you don't want to take venture debt's covenants, warrants, or board observer rights.
- What MRR do I need for SaaS RBF?
- Founderpath: $5K+ MRR. Pipe: $15K+ MRR typical. Capchase: $8K+ MRR. Stripe Capital: pre-qualified based on Stripe volume (no specific MRR floor published). Re:cap: €10K+ MRR.
- Will RBF affect my ability to raise venture capital later?
- Most RBF providers structure deals as commercial debt (not equity or convertible). Doesn't dilute cap table. Some VCs prefer companies with RBF history (shows revenue strength); others see it as a sign you couldn't raise — depends on the VC. Disclosing it during diligence is standard.
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.