Riverside Debt Capital for Startups

Non-dilutive funding built for startup founders. Access up to $250K instantly, or up to $2M within 3 days. Debt capital is powered by our partner Efficient Capital Labs.

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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

FAQ's

How does it work?

We provide debt capital up to $2M to startups within 3 days, and can offer up to $250K instantly.

The financing requires a flat transparent fee of 10-14%, which is repaid monthly, alongside the upfront amount, over a period of 12 months.

We work with our lending partner Efficient Capital Labs to make this possible.

How much capital can I access?

You can access from $25K to $2M. The amount of debt capital we can offer you is based on application and assessment of risk.

What are the benefits of debt capital for a startup?

Our debt capital offering is non-dilutive (zero equity exchanged) and is offered at a transparent fee.

Many startups use debt capital to: extend their runway to the next fundraise, enter a new market, hire teams and as flexible growth capital to invest towards profitability.

Debt capital is often used as a complement to venture capital funding.

Compared to bank loans and venture debt, our debt capital is more flexible and affordable. We do not require the investee to provide collateral or equity-dilutive warrants - instead of an interest rate we have a flat transparent financing fee. We also do not have any extra fees or legal fees, typically associated with bank and venture debt.

Am I eligible?

Our debt capital is offered on the basis of your company’s revenue. Currently, debt capital is available to software or digital services companies. Other eligibility criteria include: at least $100K in annual revenue, 6 months of revenue history, and a US entity or subsidiary - contact our Partner at lending@ecaplabs.com, subject line "Riverside Capital" if you need assistance in opening a US entity.

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: extend their runway to the next fundraise, enter a new market, hire teams and as flexible growth capital to invest towards profitability.

What do I need to apply?

It’s quick to apply - the application takes 15 minutes. You’ll need to tell us some information about your company to give us the information we need to make a decision. We’ve made this easy with connections to Plaid, Quickbooks, 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?

Please reach out to our lending partner Efficient Capital Labs for application related questions, at lending@ecaplabs.com, subject line "Riverside Capital".