Industry Lending
Technology Business Loans
Growth, runway, and ARR-backed capital for established tech companies.
0.5x – 1.5x
ARR multiple
5 business days
Median time to fund
100%
Net retention floor
How we underwrite
Tech credit is misunderstood at most banks — they index on tangible collateral that SaaS companies don't have. Inflection Financing underwrites against ARR, net retention, and unit economics. For established tech companies with $1M+ ARR and >100% net retention, we offer growth term loans and revenue-based lines that complement (rather than replace) equity.
Typical loan sizes
$250,000 to $5,000,000
Common uses
- →Growth capital between equity rounds
- →Hiring and customer acquisition
- →Acquisition of complementary products or teams
- →Working capital between annual contract collections
Regulatory & underwriting notes
Tech credit underwriting reviews customer concentration, contract terms (annual vs monthly), and cash burn relative to runway.
Recommended products for technology companies
Term
Term Loans
Strategic capital that scales with your P&L — not your daily sales volume.
Working Capital
Working Capital
Revolving and short-term capital for inventory, payroll, and operational rhythm.
Bridge
Bridge Loans
Same-day capital for time-sensitive opportunities. Funding in as little as 12 hours.
Other industries
Financing for technology companies.
Apply in under 10 minutes. Decisions in 24 hours. No broker fees. Direct lender.