Get Non-Dilutive Capital up to $5M in 72 hours
Growth capital for global AI & SaaS companies with zero equity dilution
0% Equity Given up
Up to 60 % of your ARR upfront
Borderless Funding (INR, USD, SGD)
Tranche-Based Capital
Trusted by 250+ Companies. $200M Deployed.
What Is Non-Dilutive Capital?
Non-dilutive capital is funding that lets you access growth capital without issuing equity or giving up ownership. Instead of selling a slice of your company, you raise capital against the strength of your business which is your revenue, contracts, and fundamentals.
For AI and SaaS companies, this means you can:
Invest in growth without expanding your cap table
Keep control of your roadmap, pricing, and exit strategy
Use capital as a lever, not a trade you regret later
If your business is already generating predictable revenue, non-dilutive capital lets you pull future cash flow forward to fund what’s working now.
Why Founders Choose Non Dilutive Capital?
Keep Your Ownership
You’ve done the hard work to build something real. Non-dilutive capital lets you access funding while keeping your equity, decision-making power, and upside.
Lower Cost Than Equity
Every percentage of equity given away early compounds into a huge cost later. Non-dilutive capital can be a more efficient way to fund growth, especially between institutional rounds.
Flexible Fundraising
Non-dilutive capital doesn’t lock you into one funding path. You can still raise venture later, ideally at a better valuation, on your terms.
Align Capital With Revenue
Instead of raising a massive round “just in case,” you can match capital to growth: pull more when you’re accelerating, and protect dilution when you’re not.
Who can apply for ECL’s Non Dilutive Fund?
Cross-border non-dilutive capital is a strong fit if you are:
A B2B AI or SaaS company with recurring revenue
Growing across US, India, or Southeast Asia, or selling globally
Looking to extend runway, fund growth, or smooth working capital without expanding your cap table every 12–18 months
You’re likely a fit if you:
Generate
$500K+ in ARR
Have Predictable
Recurring Revenue
Have a Healthy Runway
3+ Months
It’s especially powerful for:
Seed to Series C founders who want to delay dilution
Bootstrapped teams ready to accelerate without “selling the company to save it”
Venture-backed founders who want more optionality between rounds
How ECL’s Cross-Border Non-Dilutive Capital Works
We keep the mechanics simple and transparent:
Share Your Numbers
Connect your revenue, banking, and core metrics. We look at how your business actually performs—not just a pitch deck.
Get a Capital Range
Based on your recurring revenue and risk profile, we estimate how much non-dilutive capital you can responsibly unlock (often up to a meaningful share of your annual revenue).
Choose Your Structure
Work with our team to fine-tune amount, tenor, and repayment profile so it actually fits your business model and growth plans
Access Capital Quickly
Once approved, funds are typically disbursed in days, so you can get back to building instead of chasing signatures.
Repay With Clarity
You make predictable monthly payments that include both principal and interest, with full visibility into the schedule and total cost from day one.
What You Can Use Non-Dilutive Capital For
Extend Runway without immediate dilution
Accelerate GTM - sales, marketing, and customer success
Enter New Markets - US launch, SEA expansion, India scale
Build Product & AI Infrastructure
Smooth Working Capital - vendor payments, payroll, growth experiments
Non-Dilutive Capital vs Equity vs “Traditional” Funding
Non-dilutive capital isn’t a replacement for every type of funding. It’s a better option for specific moments in your journey, especially when you value speed, control and future fundraising flexibility.
Why Founders Choose Efficient Capital Labs
Rapid Funding Offers
Receive an offer within 3 days, with an instant indicative offer if eligible.
AI & SaaS Specialists
We understand and focus on recurring revenue businesses.
AI-Powered, SaaS-Native Decisioning
We use Proprietary intelligence (AURA) to evaluate real metrics, enabling faster capital.
Non-Dilutive, Global-First Capital
Equity-free funding built for modern, cross-border AI and SaaS companies.
ARR Based Funding
Receive up to 60% of your annual revenue upfront in tranches, with no equity, warrants or dilution.
Efficient Capital Labs has supported founders across the US, India, Singapore and global markets.
Ready to Meet Your Capital Partner?
If you’re a post-revenue AI or SaaS founder with $500K+ ARR, non-dilutive capital could be the fastest way to unlock your next phase of growth without giving up equity.
Apply in minutes.
No obligation. No dilution.
FAQs
Everything you need to know about non-dilutive capital
Venture capital requires you to give up equity, ownership, and often control through board seats and investor influence. ECL’s non-dilutive capital provides funding without issuing equity, so you keep ownership, decision-making power, and future upside. It’s designed to complement or delay equity raises.
Venture debt is typically tied to an equity raise, includes covenants, and often comes with warrants. ECL’s non-dilutive capital is revenue-based, does not require an equity round, and does not include warrants or board control. Repayments are structured to align with how AI and SaaS companies actually generate revenue.
Traditional banks focus on collateral, profitability, and long operating history. ECL evaluates recurring revenue, growth trends, and unit economics, making it better suited for modern AI and SaaS companies. Funding decisions are faster, structures are more flexible, and capital is available across borders.
Non-dilutive capital is a broader category. Revenue-based financing is one form of it. ECL’s approach is ARR-based and designed specifically for AI and SaaS businesses, with flexible structures that align repayment to revenue performance.
Eligible companies can typically access $100K to $5M, often up to 60% of annual recurring revenue, structured in tranches. The exact amount depends on revenue quality, growth rate, and risk profile.
You’re generally a strong fit if you:
-Are a B2B SaaS or AI company
-Generate $500K+ in AR
-Have predictable recurring revenue
-Operate in or sell globally from the US, India, or Singapore
-Have at least 3 months of runway
-Each application is evaluated individually.
Pricing is typically ~10–12% annual interest, with monthly payments that include both interest and principal. Your exact rate depends on factors like revenue stability, growth, and risk profile, and the full terms are disclosed upfront before you accept an offer.
Efficient Capital Labs uses AURA, our proprietary decisioning system, to assess how a business actually performs, not how it’s presented. AURA reviews live operating data such as recurring revenue quality, growth consistency, customer concentration, and cash flow patterns. This intelligence is paired with experienced human review to ensure decisions are thoughtful, fair, and aligned with long-term business health.
Yes. ECL uses secure, read-only connections and enterprise-grade data protection standards. Your data is used strictly for underwriting and risk assessment and is never sold or shared externally.
Never! Efficient Capital Labs provides capital without claiming ownership, influence, or control. You build the company. You keep the upside. We stay in the engine room, not the boardroom.