Fast, Flexible Capital Up to $5M for Growing B2B SaaS Companies
Get capital in under 30 days with a transparent, flexible structure — no equity dilution, no penalties for prepayment, and terms up to 24 months. Use only what you need, when you need it.
Your Next Chapter Starts Here
Boost your capital IQ and start accelerating your growth today.
California financing is made or arranged pursuant to California Finance Lender License No. 60DBO-
117697 issued to Novel Growth Partners California Investments, LLC.
2024 ©Novel Capital. All Rights Reserved.
Knowing Better, Growing Faster
Our Upfront Capital™ product is designed for B2B SaaS and tech companies with the following financial characteristics:
- Minimum $350k revenue + targeting profitability
- 10%+ YoY revenue growth
- Predictable revenue
- Seeking at least $100k in funding
One of the advantages of our financing is that it is very flexible and useful across many stages of a company.
Novel’s funding is a great fit whether you’re a bootstrapped company, have prior angel or VC investment, are looking to bridge to a round, or as a part of your current fundraise.
At Novel Capital, we work with founders who are seeking capital targeted to accelerate revenue growth or support working capital needs, rather than strictly R&D.
We may provide a committed capital line up to 40% of your annual revenue.
We provide entrepreneurs between $100k and $5m to fuel their growth. Additional capital is easily unlocked as your company continues to grow.
Our process is transparent and simple; there are no personal guarantees, covenants or warrants required. Unlike venture debt, we don’t require the companies we invest in to be venture-backed. You can continue to get capital on-demand as you continue to grow.
We also understand that you may have other investors that have provided you capital. Your company and IP are never at risk with Novel.
While companies that have MRR and ARR fit our model well, it is not a requirement to our financing. We work well with companies that have recurring and one-time revenues.
We know you have better things to do than spend months fundraising. You can receive capital in-hand within 10 days of your completed application.
Get Funded in 3 Simple Steps
1. Sign-Up & Sync Your Data
Securely connect your analytics and reporting tools to our platform—granting read-only access.
2. Apply for Funding
Complete our quick application and receive a personalized terms sheet tailored to your needs.
3. Access Capital
Accept the terms, and your funding is delivered in as little as 10 days.
Growth Capital Designed Exclusively for B2B SaaS
We know SaaS Founders
We're not just bankers, we're founders. We understand your challenges and deliver growth solutions with zero dilution or risk to you or your investors.
Full flexibility and control over costs
Lock in a 12‑month committed capital line. Draw only what you need, when you need it—and pay only for what you use.
Trust starts with transparency
Experience complete transparency throughout the process. Our cost of capital is clear and upfront, so you always know exactly what you're getting.
Funding that moves as fast as you do
Avoid months of pitching to investors. Accelerate your growth with up to $5M in non-dilutive funding in 30 days or less.
Flexible Capital for Growth
3-to-24-month payment terms. No pre-payment penalties.
Pay as You Grow
Draw what you need. Only pay for what you use.
Clear Repayment Terms
Fixed monthly payments. No surprises.
No Equity Loss
No warrants. Keep full ownership of your business.
Upfront Capital is flexible to support your needs
Built for growing SaaS
The Solution for Every SaaS Growth Challenge
Hire Key Roles Now
Get the capital you need to recruit engineers, sales reps, or support staff — without waiting for a fundraise.
Bridge to Your Next Round
Stay operational between raises and keep hitting growth milestones.
Extend Runway Without Dilution
Add 6+ months of cash buffer so you don’t fundraise under pressure.
Fund Proven Growth Channels
Use capital for paid marketing, outbound, or sales ops that drive immediate ROI.
Get Funded in Weeks, Not Months
Avoid the 4–6+ month VC grind. Get capital in as little as 30 days so you can keep building.
Solve Cashflow Gaps
Cover expenses during seasonal dips or long customer payment cycles.
Ship Product to Meet Demand
Build faster so you don’t miss the market window or lose customers to delays.
Cover Payroll Reliably
Keep your team paid and focused — even when revenue timing is tight.
We’ve Helped 150+ B2B SaaS Grow
4.8
Bill Johnson
CEO
The team at Novel has been fantastic to work with, and their app is incredible. It helps with everything you need to manage your operation.
Jonathon Fishman
Founder & CEO
As an early-stage founder, access to non-dilutive capital is essential. Equity is necessary but expensive. Novel had a thoughtful and straightforward process to evaluate and fund an appreciable amount of capital for our business. They took the time to get to know our business and seek a long-term relationship. Lending is commoditized, but I felt Novel sought partnerships and not transactions.
Charles harison
EVP & CFO
Our experience with Novel was very positive, straightforward, and efficient. We appreciated that many of their team members had the experience of building a company from the startup phase and are familiar with the challenges.
Casey Putschoegl
Co-Founder & President
Continually impressed. Responsive and attentive team that feels like a partner.
Kevin Rindal
CEO
As the co-founder and CEO of a fast-growing B2B Enterprise SaaS company, having access to non-dilutive capital from Novel Capital to fund our growth has been a game changer. The Novel Team gets it and understands our unique needs.
Linda Ginac
Founder & CEO
Working with Novel Capital has been exceptional. The team was thorough, the process was seamless, and they expedited the transaction quickly. We had funds in the bank within a few weeks. The team is great, and we plan to continue using their services.
Arie stavchansky
Founder & CEO
“novel has a solid understanding of the concerns founders have as they scale their bootstrapped business. they are patient, knowledgeable, and understand their value amongst their competition.”
Hamed Ahmadi
Co-founder & CEO
This team provided a great experience from initial contact to close. Their approach was friendly and professional, setting all expectations from the outset. Communication was transparent and comprehensive, with clear explanations of expectations, processes, and timelines provided from the start. There were no unexpected surprises, and everything unfolded precisely as outlined in the beginning.
Marius Moscovici
Founder & CEO
Novel was a breath of fresh air...It is wonderful to finally find a lending partner with a true customer-focused DNA and a strong understanding of how to serve Enterprise SaaS companies properly.
Access up to 40% of your ARR
Quote in 48 Hours. Capital in Under 30 Days.
No Personal Guarantees Required
Flexible 3–24 Month Terms
Use Only What You Need
Do You Qualify for Upfront Capital™?
Most B2B SaaS companies with consistent revenue growth are a great fit for Novel's financing
$500K+ Annual Revenue
Consistent monthly sales with predictable revenue patterns
24+ Months in Business
Established operations with trackable financial history
B2B SaaS or Tech Company
Software, technology, or digital service businesses
US-Based Operations
Companies incorporated and operating in the United States
Ready to see how much capital you could access?