Story of Capchase: Helps Startups Access Non-Dilutive Capital via Recurring Revenue Financing
Story of Capchase:
Founding Vision
Capchase was founded in 2020 in New York City by Miguel
Fernandez, Ignacio Moreno Pubul, Luis Basagoiti, and Przemek Gotfryd. The
company was created to help high-growth startups access capital without giving
up equity, providing a flexible financial solution for recurring revenue
businesses.
Purpose and Mission
Capchase’s mission is to provide non-dilutive funding to
startups, particularly SaaS companies, by converting their future revenue into
upfront cash. This allows founders to maintain full ownership while securing
capital to grow their business.
Revenue-Based Financing
Instead of relying on traditional venture capital, Capchase
offers recurring revenue financing. The platform evaluates future cash flows
and extends lines of credit accordingly, providing startups with immediate
access to funds for scaling operations.
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Data-Driven Funding Assessments
Capchase uses secure integrations with a company’s banking,
accounting, and subscription management systems to assess creditworthiness. Its
algorithms evaluate contract quality and financial health, delivering funding
offers within 24–48 hours.
Capchase Analytics
The platform also offers “Capchase Analytics,” giving
founders real-time access to key performance metrics, such as monthly recurring
revenue, customer retention rates, and burn rates. This helps startups make
informed financial decisions and better forecast growth.
Founder-Friendly Financing
By providing non-dilutive capital, Capchase helps founders
avoid the pressure of giving up equity. This approach is particularly valuable
for early-stage companies that may struggle with low valuations or pre-revenue
challenges, giving them financial flexibility and control.
European Expansion
Capchase has rapidly expanded into Europe, establishing its
headquarters in London and entering markets like the Nordics, Netherlands, and
Belgium. Its European business has grown tenfold, allowing the company to
deploy over $1 billion to startups across the continent.
Client Success Stories
Startups like Lawtrades have benefited from Capchase’s
funding model, using future revenue to immediately invest in growth. Many SaaS
founders report accelerated expansion and increased runway, even during
uncertain economic conditions.
Funding and Investors
Capchase has raised $1.1 billion through debt financing,
with investors including Caffeinated Capital, Bling Capital, and Calm Ventures.
These funds enable Capchase to support thousands of startups in the U.S. and
Europe while diversifying product offerings.
Strategic Value of Non-Dilutive Funding
Non-dilutive funding provides startups with capital without
requiring equity or personal collateral. It is particularly useful for scaling
early-stage businesses while reducing financial risk, offering a flexible
alternative to traditional venture capital.
Timeline of Capchase
- 2020
– Capchase founded by Miguel Fernandez, Ignacio Moreno Pubul, Luis
Basagoiti, and Przemek Gotfryd in New York City.
- 2020–2021
– Platform development focused on recurring revenue financing and
non-dilutive capital solutions.
- 2021
– Launch of Capchase Analytics to provide real-time business metrics and
insights.
- 2021–2022
– Expansion in the U.S., supporting hundreds of SaaS startups with
flexible funding.
- 2022
– Rapid European growth, establishing London HQ and entering the Nordics,
Netherlands, and Belgium.
- 2023–2024
– Deployment of over $1 billion in funding and adoption by global SaaS
companies.
- 2025
– Continued support for startups with non-dilutive capital, enabling
growth without equity dilution.
