Capchase business loan review: Rates & eligibility

For SaaS companies and B2B vendors, cash flow is rarely a straight line. Customers want flexibility, sales teams want to close deals faster, and finance leaders want predictable revenue. Capchase stepped into that tension with a simple idea: businesses should be able to access the revenue they’ve already earned, without sacrificing equity or waiting months for payments to clear. Since 2020, Capchase has grown into a major force in the B2B fintech space, serving more than 5,000 vendors and buyers and processing over 50,000 transactions.

Capchase doesn’t behave like a traditional lender. It builds revenue acceleration tools, flexible payment infrastructure, and non-dilutive financing products designed specifically for recurring-revenue companies. Swoop will break down what Capchase offers, how its financing works, who qualifies, and whether it should be part of your funding strategy.

An overview of Capchase business financing

Capchase operates at the intersection of financing and payments, offering tools that help businesses unlock revenue sooner, streamline payment operations, and give buyers the ability to pay on flexible terms. Instead of relying on underwriting that takes weeks, Capchase leans on proprietary technology, CRM integrations, and automated risk checks to qualify buyers or extend financing in minutes.

The platform is built for SaaS companies, hardware vendors, and recurring-revenue businesses that want to accelerate cash flow without sacrificing sales. Vendors get paid upfront. Buyers get more time to pay. Finance teams gain visibility. Sales teams close deals faster. And companies avoid equity dilution by accessing the revenue already embedded in their contracts.

Capchase offers three core types of financing and payment products, each suited to different moments in a company’s growth.

Capchase’s non-dilutive financing

For companies with recurring revenue models, Capchase provides flexible financing solutions that function similarly to unsecured lending, but without the debt covenants, personal guarantees, or equity trade-offs that come with venture capital or bank facilities.

Capchase’s non-dilutive capital is delivered through revenue-based financing structures that allow businesses to access capital upfront based on expected subscription payments. Rather than interest, vendors pay a flat financing fee per transaction. Capchase evaluates recurring revenue streams, stability, and payment history through integrated systems.

Key features include:

Fast, predictable access to future recurring revenue
No requirement for equity dilution or traditional collateral
Underwriting driven by real-time banking, accounting, and billing data
Capital delivered upfront, repaid through structured installments

This model works particularly well for SaaS and B2B subscription companies, where predictable revenue is already embedded in the contract base.

Capchase Pay: upfront revenue acceleration

Instead of secured lending, Capchase offers Capchase Pay, a B2B Buy Now, Pay Later (BNPL) platform that lets vendors get paid upfront for contracts while allowing buyers to pay over time.

Think of it as a financing layer inside the sales process: vendors close deals faster with flexible payment terms, and Capchase takes care of underwriting, risk, billing, and collections. It functions like receivables-based financing, but with deeper automation and a significantly smoother buyer experience.

What Capchase Pay enables:

Vendors receive full contract value upfront
Buyers choose monthly, quarterly, semi-annual, or annual payments
Multi-year deals (up to five years) supported
No buyer credit check, Capchase uses public data to verify eligibility
Payment link creation that integrates directly with quotes or CPQs
Capchase assumes collections and repayment risk

Companies use this when they want to improve sales velocity without pressuring buyers for upfront cash.

Growth Guarantee Scheme

Capchase does not offer a Growth Guarantee Scheme or any government-backed loan program. Its products are entirely private-market solutions designed to accelerate revenue rather than offer traditional debt financing.

Because Capchase structures financing around recurring revenue, companies rely on internal underwriting rather than state-supported schemes.

Additional funding products

Capchase has expanded beyond BNPL and revenue financing to support more of the financial operations that SaaS companies juggle. Two offerings round out the suite:

Invoice financing for buyers

Buyers can submit annual software invoices and spread payments over time, while still gaining immediate access to the tools they’ve purchased. Capchase pays the vendor upfront and collects installments through the Buyer Pay Portal.

Expense financing

Companies can finance large operational expenses, such as cloud hosting, legal fees, marketing spend, payroll, or recruitment costs, using structured repayment terms. This helps businesses smooth their spending cycles without disrupting budgets.

Together, these tools give companies a wide range of flexible financing options that align far more naturally with SaaS economics than conventional loans.

What is Capchase's typical interest rate

Capchase does not use traditional interest rates. Instead, it charges flat financing fees on each transaction.

These fees may be paid entirely by the vendor, by the buyer, or split between the two. This structure makes costs transparent and predictable, and avoids the fluctuating charges associated with revenue-share models or compounding interest.

Because Capchase structures deals differently from lenders, there are:

No variable interest rates
No APR calculations
No hidden charges later in the contract

Businesses know the total cost upfront.

How much financing can I receive through Capchase?

Capchase does not issue lump-sum business loans in the traditional sense. Instead, the amount available depends on the contract or invoice being financed.

Companies use Capchase to:

Finance individual software or hardware contracts
Finance multi-year deals paid upfront
Finance annual subscriptions buyers want to pay monthly
Finance large expenses or vendor invoices

Because Capchase pays the full contract value upfront to the vendor, deal sizes can range anywhere from small B2B purchases to multi-year enterprise contracts.

What is the acceptance rate for a Capchase business loan?

Capchase does not publish acceptance rates, but its platform is designed for speed and high approval likelihood:

Buyer qualification takes about one minute
Only a legal name, address, and website are required
Capchase pulls public data for risk assessment
No personal or business credit checks

For vendors, onboarding typically completes within 24 hours and does not require lengthy documentation or minimum usage commitments.

Eligibility criteria and whether you qualify

Because Capchase supports both vendors and buyers, eligibility depends on which side of the transaction you’re on.

For vendors (SaaS companies and hardware providers)

Capchase supports businesses that:

Operate in supported geographies (US, Canada, UK, Ireland, Spain, Belgium, Netherlands, Finland, Sweden)
Sell software or hardware on contracts
Want to offer flexible terms while receiving full payment upfront

Vendors can choose which deals to finance; there are no minimum usage requirements.

Buyers must:

Be legally registered businesses
Reside within supported geographies
Not operate in prohibited industries
Meet Capchase’s internal risk criteria

Capchase does not require credit checks and evaluates buyers through public data, internal modeling, and compliance screening.

Additional information

Understanding the finer points of repayment, approvals, and security helps businesses assess how Capchase operates behind the scenes. While Capchase is built to remove friction, it still follows structured processes to protect vendors, buyers, and its own underwriting standards.

Early repayment fees

Buyers using Capchase Pay or invoice financing can repay early without penalty. Because transactions are fee-based rather than interest-based, early repayment simply reduces debt exposure, not cost.

How long does it take to get approved?

Vendor onboarding: Under 24 hours
Buyer qualification: Approximately one minute, completed through automated checks
Financing decisions for deals: Nearly instantaneous once payment links are generated

Estimated time to receive funds

Vendors receive full upfront payment once buyers complete their payment link and sign the agreement. Payments move through secure rails such as ACH, SEPA, BACS, Autogiro, or PAD.

Can a loan be repaid early?

Yes. Buyers can pay down their Capchase Pay balance at any time without additional charges.

Is security required?

Capchase does not require buyers to provide deposits or collateral. Vendors also do not pledge assets. Capchase evaluates risk internally and absorbs collection responsibilities.

What documentation is required

Capchase prioritizes automation, so documentation requirements are light.

Business information

Vendors must share:

Basic business details
Contract or invoice information
Geography and industry classification

Buyers must provide legal entity details extracted automatically from CRM or public data.

Business owner information

Capchase does not require personal credit checks or personal guarantees. Owner information is limited to what is necessary for compliance and verification.

Funding requirement

Vendors upload or sync their quote, order form, or CPQ data. Buyers review contract details and choose their preferred payment terms.

How to apply for a Capchase business loan

Applying with Capchase is fundamentally different from applying for a loan. There’s no multi-week underwriting cycle or stack of bank statements to assemble. Instead, the platform embeds financing directly into the sales process.

The onboarding process

Vendors create a Capchase account
Integrate CRM or upload contracts
Configure payment links
Begin offering terms to buyers

Within a day, most companies can offer flexible payment options.

Is the application process different to other lenders?

Completely. Capchase removes nearly every roadblock that traditional lenders introduce:

No credit checks
No personal guarantees
No collateral
No multi-day underwriting
No manual documentation
No monthly revenue calculations from buyers

Qualification happens in minutes based on public business data, not personal or financial disclosures.

How to improve your chances of getting funded

Ensure your CRM data is accurate
Upload clean, accurate quotes
Keep buyer details up-to-date
Use Capchase’s integrations to automate risk checks

Because Capchase relies on your business data, clean systems produce faster and smoother approvals.

Pros & cons of a Capchase business loan

Choosing Capchase isn’t about choosing a traditional lender. It’s about choosing smarter cash flow infrastructure. But like any financing tool, it has strengths and trade-offs worth weighing.

Pros

Vendors get paid upfront regardless of payment terms
Buyers gain flexibility without credit checks
Qualification takes about one minute
Capchase handles all billing and collections
Multi-year, complex deals supported
Deep integrations with Salesforce, HubSpot, and accounting systems
White-label options
No implementation or platform fees

Cons

Not a traditional lender — companies seeking standard loans won’t find them here
Only available in supported geographies
Financing fees vary by deal structure
Best suited for SaaS and recurring-revenue businesses, not general SMEs

Alternative funding options for different lenders

If your business needs structured working capital, equipment financing, term loans, or asset-backed funding, other lenders — including traditional banks and fintech providers — may be more suitable than Capchase. Revenue-based financing companies, invoice factoring providers, and BNPL competitors also offer adjacent solutions.

Why use a finance broker?

A broker like Swoop cuts through the noise. Whether you’re evaluating Capchase or comparing lenders across the market, Swoop helps you understand eligibility instantly, match with appropriate products, and avoid applications that waste time or harm your approval odds.

Get started with Swoop's business funding platform

If you want to explore Capchase alongside other fintech lenders — or simply want clarity on which funding routes best support your cash flow needs — Swoop gives you a simple, guided starting point. Compare offers, understand your options, and move forward with the financing structure that fits your growth plans.

If you’re ready to explore your options and secure the right support for your next stage of growth, apply with Swoop today.

Capchase business loan review: Interest rates, eligibility, and the application process