Corporate Trust Fund SaaS Lending
Flexible, Non-Dilutive Capital for Recurring Revenue Software Companies
Corporate Trust Fund’s SaaS Lending platform is purpose-built for companies delivering mission-critical software with predictable, recurring revenue models. We work with established SaaS businesses that demonstrate strong retention, low churn, and scalable financial performance, providing capital solutions that support long-term growth without equity dilution.
SaaS Lending Overview
Our SaaS lending solutions are designed for subscription- and contract-based software businesses with proven operating histories. We focus on companies with at least two years of annual recurring revenue, a growing monthly recurring revenue (MRR) base, and low customer churn. These fundamentals allow us to structure financing that aligns with recurring cash flows and operational needs.
Target Company Criteria
Company Size
● ~$5MM+ in Annual Recurring Revenue (ARR)
Industry / Business Model
● B2B SaaS and selective SMB SaaS
Capital Structure
● Later-stage VC-backed, private equity–backed, or bootstrapped
Use of Proceeds
● Working capital
● Debt refinancing
● Growth capital
● Acquisitions
Borrower Profile
We lend to businesses that provide mission-critical software and operate sticky, recurring revenue models. Ideal borrowers meet the following criteria:
Proven business model with two or more years of recurring revenue
Growing MRR with low churn
Primary operations based in the United States
Lending Partner
We serve as a long-term capital partner to B2B SaaS companies and selective SMB SaaS businesses. Our non-dilutive, flexible credit structures are designed to help companies:
Fund growth initiatives
Refinance existing debt
Support working capital needs
Facilitate strategic acquisitions
Equipment Financing in 5 Easy Steps
Company Profile Characteristics
Ideal companies typically demonstrate:
Highly recurring and visible revenue streams
Strong retention metrics and KPI-driven financial reporting
Breakeven or profitable operations with sufficient liquidity
Mission-critical products with low LTV-to-CAC ratios
High gross margins and a diversified customer base
Financing Structures
We offer financing solutions tailored specifically to recurring revenue businesses, including:
Senior-secured revolving credit facilities based on an MRR borrowing base, typically 3x–7x MRR
Flexible repayment options, including interest-only periods
Term facilities with maturities of up to 36 months
Competitive, prime-based pricing with no warrants required
Ancillary Products
In addition to lending, clients gain access to a comprehensive treasury management platform designed to enhance liquidity management, operational efficiency, and financial visibility.
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