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Capchase

|Nonbank Lender|United States
Up to $1,000,000
Loan Amount
No Minimum Time in Business
Time in Business

Our Capchase Review

3.5/ 5.0How we rate

Capchase is a U.S.-based nonbank lender founded in 2020, originally built around revenue-based financing for SaaS companies. The platform has since expanded into enterprise tech vendor financing, offering B2B financing tools that include installment loans, buy now/pay later options, flexible payment plans, and extended net terms. According to a 2026 funding announcement cited in Morningstar/BusinessWire, Capchase secured $200 million to meet growing demand for vendor financing in enterprise tech deals. Its platform emphasizes instant underwriting and multi-party deal management, with CRM integration aimed at streamlining sales cycles. Capchase lists no minimum credit score or time-in-business requirement, and financing is available up to $1,000,000. It appears well suited for early-stage or growth-stage SaaS and B2B tech companies that need flexible capital without traditional credit gatekeeping.

Who Is Capchase Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • New businesses with limited operating history
  • B2B businesses with outstanding invoices to unlock

Financing Options

Revenue-based Financing
Working Capital
Invoice Factoring

Eligibility Requirements

Time in Business
No Minimum Time in Business

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Free · Won't affect your credit score

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Quick Overview

Loan AmountUp to $1,000,000
GeographyUnited States
DoughRating
Products3
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Capchase Pros & Cons

Pros

  • No minimum credit score requirement
  • Startup-friendly no seasoning requirement
  • Lends nationwide

Frequently Asked Questions

Capchase offers financing in the range of Up to $1,000,000.

Capchase does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

Capchase offers the following financing products: Revenue-based Financing, Working Capital, Invoice Factoring.

Capchase requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Capchase provides financing to businesses across the United States.

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For immediate assistance, please contact us at howdy@breadroute.co

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