Get your startup financed in INR

Growth capital for Indian SaaS startups—with no dilution

Join the 100+ companies we’ve financed.

Case Studies

Here how founders have used ECL financing

November 26, 2024
3 min read

Proptech innovator Switch Automation elects dilution-free growth

$17M
Raised
5400+
Buildings powered
Read more
November 20, 2024
3 min read

Recotap Accelerates Growth with ECL Financing

50%
Growth in Eng Team
Read more
October 16, 2024
3 min read

BigVu based in Israel & USA hits breakeven, with ECL

2.5M
Users Worldwide
70+
Countries
Read more

Founders need modern, flexible capital to scale their business

At Efficient Capital Labs - 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:

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

Efficient Capital Labs 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.

Explore our Use Cases

How can financing from ECL help you scale your SaaS business?

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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.

Grow without dilution
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Get funding in multiple markets

Get funded in the geographies where you are investing and expanding. Currently we offer financing in both USD and INR.

Get funding in multiple markets
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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.

Extend your runway
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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.

Invest in marketing and growth
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Hit profitability faster

Achieving profitability requires investment, to the point where your revenue is consistently covering costs. Non-dilutive finance can help you bring that milestone forward by 6 to 12 months.

Hit profitability faster
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Cover working capital gaps

Managing cash inflows from your customers at the same time as paying company expenses can create timing issues. Whether a customer payment is delayed, or you need to make a large upfront investment, we help you finance gaps in your working capital.

Cover working capital gaps

How much funding can I get?

Calculate your potential funding

Annual Recurring Revenue (ARR)

Slider - Pick your ARR
$0
Your potential funding
$435,000
$2,500
Monthy Principal Repayments
$250
Monthy Fee Repayments*
$2,750
Monthy total Repayments
* Based on 10% annual fee, and funding of 30% of ARR

India's Premier SaaS Funding Solution

We champion a modern approach towards INR financing.

Non-dilutive SaaS funding

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

Rapid funding offers for SaaS startups

Time your cash to your opportunities. For INR financing, receive an offer within 3 weeks.

Modern experience

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

Borderless financing

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

Am I eligible for INR funding?

We look for companies who:

Are B2B or recurring revenue businesses

Generate > ₹85 lakh INR in annual revenue

Operate in the software or digital sectors

Have, or are willing to open an India entity or subsidiary (for INR financing)

How it works

Our online application takes 20-30 minutes. For USD funding you can expect an offer within 72 hours of completing the application and submitting all documents.

1

Apply online

Help us get to know your business. Sync and submit your bank, accounting and contracts data.

2

Receive an offer

Your offer will include the amount we can finance, and a transparent flat pricing offer - there are no hidden costs!

3

Get funded in INR

We partner with local NBFC partners to finance your startup, and help you grow

Empowering India's SaaS ecosystem

Join over a hundred customers financed by us

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

INR Financing FAQ

How much INR capital can I access?

We provide up to INR 2 crore of funding. We can offer up to 65% of your company’s annual recurring revenue (based on our estimates), up to our max funding amount.

What is the cost?

Our pricing is simple and clear. When you take funding from us, we charge a flat fixed fee percentage of the total amount you borrow. That’s it— no extra charges. Speak to our team to learn more.

What is the application process for our SaaS funding?

In order to be considered for INR funding, please apply using this link.

How long does it take to get a funding offer?

We can provide you with an offer in 3 weeks of application, and submission of all required documents.

Which NBFCs do you partner with?

We have partnered with Arthmate, U GRO Capital Private Limited, and Stride One Capital Private Limited to provide financing.

How is ECL's startup financing different from a bank loan?

When banks give out loans, they usually request collateral to secure the loan. Plus, it can take a long time to get the loan - sometimes up to 3 months. For our SaaS customers, it can be tough to provide this collateral and to delay growth while waiting for a loan. With us, you can get funded in just 72 hours, and we do not ask for collateral.

How is this different from venture capital?

We do not take equity. Our funding is 100% non-dilutive, meaning it won’t decrease your ownership. Instead, we have a clear and set fee that’s based on how much funding you get from us. Your ownership stays with you.

How is this different from venture debt?

Venture debt often includes a warrant, which gives the lender the right (but not the obligation) to buy shares of the company. This can lead to dilution of ownership for the founder. Our funding is 100% non-dilutive.

How is this different from a line of credit?

After we give you our first offer, you can decide if you want to take all of it or just a part of it, up to the amount we offered. During the first 90 days after we make the offer, you can also easily request more capital up to the offered amount. After those 90 days, there’s a similar process to when you first applied. We call it re-underwriting. It usually takes about 15 minutes to complete this part of the application. We will make you a new offer following re-underwriting.

What can I use the funds for?

There are no restrictions on use of funds, as long as they are for business purposes. Typically, our customers use funds to reach growth goals, including for marketing and hiring.

What are your requirements to apply for INR financing?

Our capital is available to B2B companies, who are in the software or digital services industries. To be eligible, companies should have an India entity, an annual recurring revenue of at least  ₹85 lakh INR $100,000, and 6 months of revenue history.

What do I need to apply?

It’s quick to apply: our application takes 20-30 minutes. You’ll need to tell us some information about your company to give us the information we need for our risk team to make a decision. We’ve made this easy with connections to your banks, accounting software and other tools. But if you prefer, you can also talk to our team and work with them to share this information directly.

What if I have another question about your startup funding options for Indian SaaS companies?

You can reach out to us at contact@ecaplabs.com, or fill out a form to get in touch.

How can I reach the Nodal officer?

This is specifically for customers who have received financing via our NBFC partner Arthmate.

You can reach out to us at below:

Yogesh Rohilla

Arthmate Financing India Private Limited

The Circle Work, 3rd  Floor,

Huda City Center, Sector – 29,

Gurugram, Haryana – 122002

Email: statutory.compliance@arthmate.com

Tel: +91 – 7835009643

OR

Manish Arora

Efficient Fintech Solutions Private Limited

WeWork Galaxy

43 Residency Road

Bengaluru, KA, India - 560025

Email: nodalofficer@ecaplabs.com

Tel: +91 - 7065937125

What is the grievance redressal process?

This is specifically for customers who have received financing via our NBFC partner Arthmate.

You can reach out to us at below:

Deepika Rawat

Arthmate Financing India Private Limited

The Circle Work, 3rd  Floor,

Huda City Center, Sector – 29,

Gurugram, Haryana – 122002

Email: statutory.compliance@arthmate.com

Tel: +91 – 7835009643

OR

Akshi Sood

Efficient Fintech Solutions Private Limited

WeWork Galaxy

43 Residency Road

Bengaluru, KA, India - 560025

Email: grievances@ecaplabs.com

Tel.: +91 – 7065937123