Non-Dilutive Funding for Tech Scaleups.
Flexible growth loans with no dilution or change of control for healthy scaleups with revenues of EUR/CHF +1 M.
Extend Runway
Hit new KPIs and milestones to raise at better terms later
Reach Profitability
Bridge your funding needs until fully profitable
Accelerate Growth
Take advantage of market and growth opportunities
Execute on M&A
Seize inorganic growth opportunities
Case Studies
The most Founder-friendly growth capital available for the Tech industry.
Non-dilutive
Keep your equity, you worked hard to build it.
Flexible Payback
Match your payback with your growth for maximum flexibility.
Long Term Capital
Long term view for long term value creation.
Fast process
Use your precious time to focus on growth opportunities.
Keep Optionality
You decide whether or not you want to raise debt or equity in the future.
Works along VCs
Fully complementary with past or future equity investments.
No valuation change
Save energy as there is no need to align on valuations.
Efficient cost of funding
Access the most efficient funding available for growth.
Same governance
No change to the board or new shareholder agreement needed.
Is Lendity Growth for me?
Lendity Growth is typically a good fit for growing tech-enabled businesses.
- Growth momentum
- Healthy margins
- Client diversification
- Low churn
- Not overindebted
Frequently Asked Questions
1What is Lendity Growth?
Our non-dilutive venture debt, offered under the name Lendity Growth, is a long-term funding solution used for growth purposes.
2How is our Venture Debt structured?
Lendity Growth is structured as a loan, comes with no dilution and no personal guarantees.
3How is our Venture Debt paid back?
Our Venture Debt can be structured with different repayment options. We will guide you through the most suitable plan during the process.
4How is our Venture Debt different from a Bank Credit Line?
Our Venture-Debt, Lendity Growth, is a commited term loan. This means that once we fund a borrower, we get paid back according to an agreed loan schedule. Credit lines are loans that are typically used for short-term needs where the lender frequently has the ability to call back the funds on any single month.
5What is the tenor of our Venture Debt?
Because we believe in the value creation of long-term projects, our loans can be granted with a tenor of up to 5 years.
6What loan sizes are adequate for our Venture Debt?
Companies using Lendity Growth should get a facility that can be paid back with the generated growth, that is why having healthy margins and growth are important. Loan size can go up to 6x to 9x multiple of monthly revenues, although it can increase in cases of very high-margin and growth companies.
7For what company stage is our Venture Debt ideal?
Our non-diltuive Venture Debt, Lendity Growth, caters to companies that are post product-market fit and their client base is well diversified.
8Is there a minimum revenue level to apply for Lendity Growth?
Lendity Growth starts to make sense when annual revenues are at least EUR/CHF 1 M.
9How should the loan proceeds be used?
Lendity Growth is a financing tool to help companies continue growing on their terms. Therefore, the loan proceeds should be used for growth-related activities, including client acquisition and fulfillment, business development, marketing, inventory, geographic expansion, or any other growth-focused initiative.
10Do I need to provide a personal guarantee?
No. We don’t require external guarantees as the loan is granted to the company itself, which will need to provide a first security interest over its assets.
11How fast can you fund a transaction?
We have seen founders and management spend a lot of time raising funds and we believe this time could be better spent building products and acquiring customers. Once we receive the complete application, we aim to close and fund the transaction in less than 4 weeks.
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