Smarter Books. Faster Capital.
ECL has partnered with Zeni to help founders getfund-ready, faster.
Raising capital often stalls at one place: your books. Disorganizedfinancials, cash-based reporting, or missing metrics can delay or derailyour funding timeline.
That’s why we’ve teamed up with Zeni: an AI-powered finance platformthat gives founders real-time visibility into their numbers, and helps themrun a tighter, cleaner, more credible finance operation.
Why this matters if you’re applying
for capital through ECL:
With Zeni, you can:
Switch to accrual-basedaccounting – a must-havefor revenue-backed financing
Get your books investor-ready– fast, clean, and standardized
Centralize your finance stack– bookkeeping, budgeting,and burn tracking in one place
Speed up diligence – no morehunting for PDFs, screenshots,or outdated Excel files
Curious how your current books stack up?
How Efficient Capital Labs + Zeni Work Together
Efficient Capital labs helps SaaS and AI founders turn predictable revenue into non-dilutivecapital while Zeni helps you tell the financial story behind that revenue, clearly and confidently.
Get your numbers in shape
Apply for capital faster
Extend your runway, without dilution
How much funding can I get?
Calculate your potential funding
Annual Recurring Revenue (ARR)
For Zeni customers
If you’re using Zeni and thinking about funding options—especially if you’re in that “pre-VC or betweenrounds” zone—we’d be happy to connect. The cleaner your financials, the more optionality you unlock.
Reach out if you’re:
Hiring ahead of growth
Investing in customer acquisition
Extending your runway to hit a biggermilestone
We’ll walk you through what financing could look like for your stage.
FAQs
How does Zeni help me qualify for ECL financing?
Zeni helps you transition to accrual accounting, clean up your books, and provide real-time financial data, all of which are crucial for meetingthe financial diligence requirements for ECL’s financing.
What are the minimum requirements for ECL financing?
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. For instance, if you receive a pricing offer of 10% on a financing of $100,000, the fee will be $10,000. You’ll pay a part of these fees each month, over the course of the borrowing period. The specific fee rate we offer you depends on the risk of your company.
Is ECL non-dilutive financing suitable for my type of startup?
We can provide you with an offer in 72 hours of connecting your accounts, and submitting documents.
How do I get started with Zeni and explore ECL financing?
ECL can fund any company with a US entity. Explore our INR and SGD financing options for companies with an India or Singpore entity. Many of the companies we fund are based in non-US countries - we have happy customers around the globe. When you apply, we look at your company’s revenue across all your geographies, no matter where it’s coming from.
What is non-dilutive financing?
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 AI & 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.