Loans Hub · Business Finance by Industry
Business Loans for Technology & SaaS
Funding for software, SaaS and IT companies — hiring, product, growth and runway. Compare revenue-based finance and unsecured loans from a whole-of-market UK panel.
Why technology companies borrow
Growth is front-loaded — you invest in engineers and acquisition ahead of revenue. Non-dilutive borrowing commonly funds:
- Hiring engineers and sales staff.
- Product development and R&D.
- Customer acquisition and marketing.
- Extending runway between funding rounds.
- Hardware, cloud and infrastructure.
How much can a tech company borrow?
Recurring revenue is the key. Revenue-based lenders advance against monthly recurring revenue (MRR) or annual contract value, often a multiple of monthly revenue. Strong retention and growth unlock larger facilities, all without diluting your equity.
What lenders look at for SaaS and tech
Lenders increasingly read SaaS metrics directly — MRR, churn, growth rate and runway — often via your billing platform. Predictable, sticky recurring revenue is the strongest asset, and a clear path to profitability or the next round reassures them.
Best finance options for technology firms
Revenue-based finance flexes repayments with monthly revenue, ideal for scaling SaaS. An unsecured business loan gives a predictable lump sum for hiring or a campaign, and the Growth Guarantee Scheme can back viable growth. R&D tax credits can also be advanced.
Non-dilutive growth without giving up equity
Every round you raise costs equity. Using debt to fund predictable growth — hiring against signed contracts, scaling proven acquisition — preserves ownership and can extend runway to a stronger valuation. Match the borrowing to revenue you can already see.
Compare your finance options
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Frequently asked questions
Can a SaaS company borrow against recurring revenue?
Yes. Revenue-based lenders advance against MRR or annual contract value, with repayments that flex as revenue grows.
Can I get growth funding without giving up equity?
Yes. Debt and revenue-based finance are non-dilutive, letting you fund growth while keeping ownership.
Can I advance my R&D tax credit?
Often yes. Some lenders advance against expected R&D tax credit claims to improve cash flow ahead of the rebate.
Do tech lenders need assets as security?
Usually not. They focus on recurring revenue and SaaS metrics rather than physical collateral, though a personal guarantee may apply.