Modern financing for global AI & SaaS startups
Get up to $2.5M in rapid growth capital, with no dilution.
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What makes our financing different
We champion a modern approach towards financing startups.
Non-dilutive funding
Grow with up to $2.5M of financing, while preserving your ownership. Receive up to 65% of your annual revenue upfront, with no equity, warrants or dilution.
Borderless funding
Get recognized for your growth in all geographies, via our global underwriting. Get funded in USD, INR or SGD.
Rapid funding offers
Time your cash to your opportunities. Receive an offer within 3 days, with an instant indicative offer if eligible.
Modern experience for startups
Monitor your funds with our online dashboards. Our 20 minute application saves you time using APIs and AI for fast processing.
Explore our Use Cases
How can financing from ECL help you scale your AI or SaaS business?
Grow without dilution
The average equity stake at exit is just 25% for founders. We help you to scale your business without giving away equity or ownership, with the financing you need to hire, operate and build.
Get funding in multiple markets
Get funded in the geographies where you are investing and expanding. Currently we offer financing in USD, SGD and INR.
Extend your runway
Our financing powers growth between your venture rounds. If you are exploring bridge funds to achieve your next milestone or growth metric before the next round, non-dilutive finance from ECL can help you get there.
Invest in marketing and growth
Growth is a major expense for scaling companies. Every dollar spent on growth can be multiplied into sustainable revenue. Paying for that growth - whether entering a new market, or marking a key hire - requires financing on day one.
How it works
Apply online
Help us get to know your business. Sync and submit your bank, accounting and contracts data.
Receive an offer
Your offer will include the amount we can finance, and a transparent flat pricing offer - there are no hidden costs!
Get funded
Use your financing to take your business to new levels.
Financing built for AI & SaaS
Join over a hundred customers financed by us
Hear from our customers
The best financing services for AI & SaaS
Explore our financing products for global businesses and for partners
Learn how startups succeed with ECL financing
Resources for startup founders
Get the latest insights and tips for founders.
How to reduce churn and maximize LTV in 2025
Monthly recurring revenue (MRR) is the cornerstone of sustainable growth for SaaS and AI companies, but it doesn’t tell the whole story. Reducing churn—the rate at which customers stop using a product or service—can help increase your customer lifetime value (CLV). If you have an unnecessarily high churn rate, you’re leaving money on the table. Retaining existing customers will always be cheaper than acquiring new ones. Knowing how to maximize LTV is key for achieving profitability at scale.
Understanding CAC: A Practical Guide for SaaS & AI Founders
TL;DR: This guide breaks down CAC calculation, benchmarks, and proven strategies to reduce it—so you can grow smarter, raise confidently, and protect your runway.
How to Use Non Dilutive Financing to Extend Your Startup's Runway
Even the most brilliant startups with the best product-market fit will fail if they run out of runway. With the right financial tools, you can make sure it doesn’t happen to you. Bootstrapping is non-dilutive, but it can limit your velocity—and you may still find yourself in a position where you need additional runway growth capital. Equity financing can provide you with a cash infusion, but if overused, it can leave you without control (and limit the upside on your exit).