Capital Engine that Fuels the Future of AI and SaaS

Turn predictable revenue into fast, flexible Non Dilutive Capital, that helps you scale while safeguarding equity.

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Trusted by industry leaders
and ecosystem partners

How Founders Use the Funding

Every founder knows the pain: raising is a lengthy process, capital’s opaque, and efficiency gets lost in the noise. We’re here to flip the script!

Bridge to Your Next Round

Use ECL to fuel growth metrics and arrive at the table with leverage, not desperation.

Fund Growth Investments

New market entry? Key hire? Marketing blitz? Every dollar into growth multiplies into revenue.

Accelerate Path to Profitability

Invest in efficiency, scale revenue, and hit profitability on your timeline, not the market's.

Cover Working Capital Gaps

Bridge timing mismatches between revenue and expenses without breaking stride.

Continuous Invoicing

Convert your predictable ARR into continuous, on-demand capital.

Discover Use Cases

The ECL Edge

Your fuel for the fast lane.

Meet Your Capital Consultant Today

Speed

Cross-border funding decisions in days, not months.

Global Track Coverage

We fund SaaS & AI companies across borders, assessing global revenue

AI Assisted Precision

Smarter underwriting. No missed turns.

Control that stays with you

Because founders deserve the driver's seat.

Funding in 3 Quick Steps

Apply in Minutes

Talk to our funding experts.
Our 20-minute app is built for speed.

Get a Clear Offer

Transparent terms, no surprises.
Know exactly what you’re getting upfront.

Cash in 72 Hours

Approved? You get funds fast so you can accelerate your growth.

Talk to a Capital Expert

200

M+

Deployed in AI and SaaS

250

Founders Funded Globally

Came back for More

Meet AURA

Smarter Decisions = Faster Capital

AURA - Agentic Underwriting & Risk Analysis - is ECL’s secret engine.

Our exclusive AI is your undeniable advantage. AURA analyzes your banking, financials, contracts, and counterparties to understand your business better than any spreadsheet ever could.

Learn More

Founder Stories

“What I love about the ECL team is their rapid turnaround. The team was able to assess our case, and give me a decision within a week. And then once they made the decision , we had the money almost overnight”

— Deb Noller, CEO @ Switch Automation

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How Switch Automation Preserved Equity and Extended Runway

Learn how Switch Automation avoided further dilution, while financing growth - after an initial raise of $17M.

“I recommended ECL to our SaaS founder community. ECL has competitive rates simple terms, minimal work and most importantly, a remarkable speed of execution. We got the money in the bank in just a few days and without much effort!! ECL has helped us scale ahead of revenue”

— Manik Mehta, Founder & CEO @ Omnify

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How Omnify Scaled SaaS Growth and Expanded Upmarket Without Equity Dilution

SaaS scheduling platform Omnify secured fast, non-dilutive growth financing from ECL, enabling strategic expansion into mid-market and enterprise segments

“Our experience was very easy, no complaints - quick and very good. ECL’s financing is more fair for everyone, you know what your margin and costs are and can put it in a budget - it is more simple than other forms of financing which can be complicated for a small company”

— David Anselm, Founder & CEO @ Bigvu

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How BigVU Reached Breakeven Using Non-Dilutive Growth Financing

Video platform BigVU achieved breakeven using non-dilutive financing from Efficient Capital Labs, improving cash flow, paying off expensive debt, and fueling growth in marketing and operations for scalable global expansion.

We have been really happy with the funding ECL has given us. We were able to increase our growth by 150%. As a software startup, this funding was easier to access than a bank loan. This financing has been really the last push that we needed this year, so we are really eager to recommend ECL.

—Luis F Sánchez, CEO @ Intelligential

150%

Growth YoY

How Intelligential Achieved 150% Growth with Non-Dilutive Global Financing

ECL financing enabled Intelligential to expand product lines, improve cash flow, and pay down high-interest debt.

How Much Funding Can I Get?

Run the numbers in under a minute. See what your capital runway could look like.

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Potential Funds

$value

Extended Runway

value months

Monthly Payment

$value

* Need more than $5M? Reach out to discuss larger funding options.

* Minimum requirements: $500K ARR • 3+ months runway

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Benefits Beyond Funding

Cross-border non-dilutive funding is just the beginning. Get portfolio management, partner perks, and access to a network of successful founders to help you maintain momentum as you head for that finish line.