What are we building and why

Our vision is to democratize access to capital. We empower founders worldwide, helping them scale their businesses through accessible growth capital, enabled by modern technology.

The Problem

Founders need capital to grow, but mainstream funding options often fall short.

Our founders have experienced these challenges firsthand while scaling startups across the globe— in USA, Asia and beyond.

Dilutive

On average, founding teams retain just 25% equity at exit.

Slow

Founders need flexibility to respond to market changes— they need fast and just-in-time capital.

Hard to access

Many founders, especially in emerging markets and early stages, can't access traditional loans because of collateral requirements

ECL’s Solution

We provide a lifeline to the thousands of founders driving the $300 billion global SaaS market. Since 2022, we’ve been offering fair and accessible financing to founders around the world. Here’s what sets us apart

Non-dilutive funding

Grow with up to $2M of financing, while preserving your ownership. Receive up to 65% of your annual revenue upfront, with no equity, warrants or dilution.

Borderless

Get recognized for your growth in all geographies, via our global underwriting. Get funded in USD or INR.

Rapid offer

Time your cash to your opportunities. Receive an offer within 3 days - with an instant indicative offer if eligible.

Modern experience

Monitor your funds with our online dashboards, and our 20 minute application saves you time with APIs and AI for fast processing.

Meet our founders

Our founders Kaustav Das and Manish Arora have worked at venture-backed startups across India, Southeast Asia and USA and in B2B lending. With this experiences they know what it takes to build and grow a company, and they’re committed to helping founders retain their equity with non-dilutive capital, and access funding no matter geography. They’ve built a robust tech platform to do enable their ambitions of building true borderless capital.

Kaustav Das

CEO & Co-Founder

Kaustav is the CEO at ECL. He has 20 years of experience in commercial lending at American Express and as Chief Risk Officer of venture-backed startups like Kabbage and Quadpay - where he helped many businesses to grow and scale. His vision is to eliminate the geographic disadvantages that founders face in scaling. He founded ECL to help do this by addressing two of these founders’ biggest challenges: access to capital and cost of capital.

Manish Arora

COO & Co-Founder

Manish is the COO of ECL. He is driven by solving complex problems in a scalable manner, and innovating for fellow entrepreneurs. Manish has worked extensively in enterprise software, SaaS, fintech and regulatory tech - including as the General Manager of South Asia for PayJoy, a B2B SaaS fintech - where he set up the South Asia business from scratch and grew it into one of the most successful regions for the company.

Hear about our story from CEO Kaustav Das

Backed by top venture capital firms

SaaS financing built for you

Join over a hundred customers financed by us

100+
Companies funded
20+
Countries our customers operate in
75%
Customer return for repeat financing

Hear from our customers

"[The ECL team] was accessible and answered all my queries promptly. The process was extremely smooth and efficient. I had the most stress-free and comfortable funding experience. ‍The fact is that their product speaks for itself and is significantly ahead of the competition."
Kalyan Varma
CEO
"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
"Our partnership with ECL has allowed us to fund investments in technology and customer success with tremendous ease and efficiency! ECL is an absolute game changer for non-dilutive funding. Bringing in equity investors early on can deprive you of the silence you need while building your product."
Rena Nigam
Founder & CEO
"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
"I recommend ECL to our SaaS Founders Community. ECL has competitive rates, simple terms, minimal paperwork 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

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We are hiring passionate and driven people to join us on our journey

At Efficient Capital Labs, we're building more than just innovative solutions; we're fostering a global team culture that thrives on collaboration, motivation, and a shared passion for making an impact. With teams in both the USA and India, we bring together unique perspectives and talents.

Our fast-paced, early-stage atmosphere encourages ownership, creativity, and personal growth, while our close-knit community ensures you’ll never feel like just another employee. Join us, and help shape the future of financing!

Don't see the role you're looking for? Doesn't matter, get in touch.
We’re always on the lookout for superstars to grow with. Contact us at contact@ecaplabs.com.