Purpose-Built Capital for B2B SaaS and Tech Companies Ready to Scale
Access $100K-$5M in strategic growth capital designed for B2B SaaS and tech businesses with predictable revenue and proven customer traction
Upfront Capital™ functions like a modern, smart line of credit for tech companies — providing 10–40% of your revenue as totally non-dilutive, flexible capital. You control when and how much you draw, with no prepayment penalties and no warrants.
10-minute qualification form – funding estimate in 48 hours
No Equity Dilution
Strategic capital without sacrificing ownership – no personal guarantees required.
Flexible Capital Access
Draw what you need, when you need it—only pay for what you use.
Patient, Predictable Terms
3-36 months with payments that scale with your revenue.
Fast, Transparent Process
Capital delivered in 30 days or less
Proven Results SaaS Founders Trust
$120M
Ready to Deploy Today
5 Years of SaaS Financing Experience
Over $130M
Provided to
200+ Companies
40%
40%
40%
of Customers Have
Expanded to Second Facility
4.9 Trustpilot
100 Reviews
10-minute qualification form – funding estimate in 48 hours
Strategic Capital That Grows With You
Zero Equity Dilution
Keep 100% ownership while funding your next growth phase. Perfect for bridging to your next equity round or extending runway without board pressure.
Capital Cost Control & Flexibility
You control both access and repayment—draw capital on-demand when your business needs it and optimize costs by paying off early without penalties whenever you have extra cash or complete an equity round.
Purpose-Built for Recurring & Predictable Revenue
Unlike traditional lenders, we underwrite based on ARR, MRR, usage patterns, transaction volumes, and predictable revenue models—not outdated banking criteria that don’t understand tech businesses.
Transparent, Predictable Process
Clear steps, defined timelines, straightforward terms. You know exactly what to expect and how long each stage takes—capital delivered in 30 days or less.
Scales With Your Growth
Start with the capital you need today, then access additional funding as your revenue grows. One relationship, expanding capacity.
Investor-Aligned Partnership
Zero dilution and minimal covenants align with investor interests, making board approval straightforward while preserving your operational freedom.
For Growing Your Team
Hire the sales and marketing talent you need without waiting for your next equity round.
For Market Expansion
Fund proven growth strategies and capture market opportunities when they arise.
For Working Capital
Smooth cash flow gaps and manage seasonal fluctuations with flexible access to capital.
For Strategic Timing
Bridge to your next milestone, round, or exit with confidence.
Professional evaluation of your capital options
Trusted by SaaS Founders Like You
6 Years of B2B Tech & SaaS Financing Expertise
We’ve been exclusively focused on financing B2B technology companies and SaaS businesses since day one—understanding diverse revenue models, metrics, and growth challenges.
Over $130M Deployed
More than 200 companies have trusted us with their growth capital, from $500K ARR startups to $20M+ scaling businesses.
40% Customer Return Rate
40% of our customers have already expanded to additional facilities as they grow—the strongest endorsement of our founder centric approach.
Customer Reviews
4.9 stars 100 Trustpilot reviews
Partnership Focus
Simple, fair, quick, and transparent process for non-dilutive capital.
— Jeremy Rogoff, KickUp
Speed & Efficiency
As an early-stage founder, access to non-dilutive capital is essential. Novel had a thoughtful and straightforward process… I felt Novel sought partnerships and not transactions.
— Jonathon Fishman, LeanLaw
Process Transparency
Working with Novel Capital was refreshingly straightforward. They were fast, honest, and transparent. Their professionalism made getting a deal done ideal.
— Nathan Ruff, OneNine
SaaS Understanding
Novel Capital understands the business of Edtech, especially on the B2B side. It’s refreshing to get a funding partner that knows your business.
— SWYE360 Learning
Repeat Customer
We just closed our second deal with Novel and both times, it has been perfectly painless. They lay out the process, timelines, and expectations at the very beginning.
— Kimberly Finnegan, Property Works
Growth Support
Working with Novel Capital has been a game changer. The Novel Team gets it and understands our unique needs. Their team has consistently responded with solutions that align with our business objectives.
— Kevin Rindal, Vimocity
vs Competitors
We originally worked with Lighter Capital and the process was extremely long… These guys locked the deal down in a week and got us the cash we need.
— Braden DiCristofano, Launch Fulfillment
Fair Terms
Unlike the other lenders we considered, they had a straightforward fee structure that was both highly competitive and easy to understand.
— Marius Moscovici, Metric Insights
Overall Excellence
Novel stands out for their professionalism, transparency, and customer-centric approach. They offer competitive rates, flexible terms, and ensure a smooth, stress-free financing process.
— Kristian Marquez, FinStrat
Backed By
How Upfront Capital™ Works
Your Total Facility
We approve a total credit facility based on 10-40% of your ARR. This is your available capital that you can access over time as your business grows.
Draw When You Need It
You control when and how much capital to draw from your facility. Only draw what you need, when you need it—whether that’s for a specific hiring push, marketing campaign, or seasonal cash flow gap.
Fixed Monthly Payments
Once you draw capital, you make predictable fixed monthly payments. No percentage of revenue—just clear, manageable payments that fit your budget planning.
Grow Your Facility
As your ARR grows, your available facility grows with you. The relationship scales alongside your business success.
THE JOURNEY STARTS HERE
Let's Connect
Connect With Our Team
Do You Qualify for Upfront Capital™?
B2B SaaS & Tech Companies
Recurring or Reoccurring Revenue $500K+ in Annual Revenue
Seeking $100K-$5M in Capital
10%+ YoY Revenue Growth
Complete Your Qualification” 10-minute form – funding estimate in 48 hours
Upfront Capital™ vs. The Alternatives
Capital Option
The Problem
Upfront Capital™ Advantage
Traditional Bank Loans
Restrictive covenants, personal guarantees, minimum cash balance requirements, and outdated criteria that don’t understand SaaS business models
Minimal covenants, no personal guarantees, and no minimum cash balance requirements. We underwrite based on SaaS metrics, not antiquated banking standards Upfront Capital™ Advantage
Venture Debt
Warrants and equity kickers that dilute your ownership. Often requires existing VC backing
No warrants or equity kickers that threaten your ownership. Available to founder-led and VC-backed companies alike
Equity Financing
Immediate dilution reduces your ownership and control. Lengthy fundraising process
Zero dilution of existing shareholders. Keep 100% control while accessing growth capital in 30 days
Merchant Cash Advances
Predatory terms and daily payments that sophisticated investors question
Professional structure with fixed monthly payments that sophisticated investors understand and approve
The Clear Choice for SaaS & Tech Founders
Non-Dilutive – Keep your equity Founder-Friendly – Minimal restrictions
Board-Approved – Investor-aligned structure SaaS & Tech Focused – Built for your business model
Knowing Better, Growing Faster
Can I trust that Novel will be a long-term partner?
Yes. Novel has been backing SaaS and tech founders since 2019. We’ve funded over 200 companies and deployed more than $150M in non-dilutive capital — and we’re here to support your growth at every stage.
Do you actually have the capital to fund my company — and future needs?
Absolutely. We manage a $100M+ capital pool with dry powder reserved for both new deployments and follow-on funding. Whether you need $500K today or $2M down the line, we’ve got you covered.
Will you sell my loan or hand me off to another lender?
No. When you partner with Novel, you stay with Novel. We keep our relationships direct, so your experience stays consistent from onboarding through final repayment.
Can I come back for more capital if things are going well?
Yes — and many founders do. Our capital grows with your company. As your revenue increases, we can expand your facility to support your next phase of growth.
What happens if my growth slows down temporarily?
We understand startups face ups and downs. That’s why we don’t require personal guarantees or rigid covenants. Our underwriting model is built to give founders breathing room, not punish temporary dips.
Will my existing investors be okay with this kind of capital?
Yes. Our structure is investor-friendly — no dilution, no board seats, no ownership change. Many founders use Novel alongside their equity customers to extend runway or reach milestones before their next round.
Will taking capital from Novel hurt my chances of raising VC later?
No — it can actually help. Our funding allows you to grow on your terms and hit stronger milestones before raising. Plus, we have relationships with 100+ VCs through VentureMatch and regularly help founders connect with aligned investors.
Are your rates tied to the market or interest rate hikes?
No. Our terms are fixed, so you don’t need to worry about changes in SOFR or Federal Reserve decisions. You’ll know exactly what you’re paying from day one.
What do you look for in a company before offering funding?
We look for U.S.-based SaaS and tech companies generating $500k+ in annual revenue, with recurring or predictable revenue streams, positive gross margins, and signs of growth. We evaluate your actual performance — not just your pitch deck.
How is this different from traditional loans or venture debt?
Unlike traditional loans or venture debt, Novel’s capital is non-dilutive, doesn’t require personal guarantees, and doesn’t include covenants or warrants. Our terms are flexible, fixed, and designed around how SaaS and tech companies actually grow — without restricting your operations or putting your equity at risk.
Do I need MRR or ARR to qualify for funding?
Not necessarily. While many of our customers have recurring revenue, we also work with tech companies that have predictable or repeatable revenue — including usage-based, transaction-based, or hybrid models. If your business has clear revenue visibility and growth potential, we’re ready to talk.
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