Growth capital structured around your business — never your cap table.
Designed for founders who want runway without dilution. Term loans, revenue-based facilities, asset-based debt, or hybrid structures, sized up to $40M.
Our capital advisors design around your model — SaaS ARR, ecommerce unit economics, software-enabled service margins. Pure debt with no warrants on most facilities.
Funding tailored to your business needs
Our non-dilutive capital offers rapid, transparent financing to fuel your strategic goals.
Keep 100% of your equity
Designed for founders who want runway without dilution. Repayment is structured around revenue, ARR, or asset value — never equity.
Custom structures up to $40M
Term loans, revenue-based advances, asset-based facilities, or hybrid structures. Our capital advisors design around your business model.
Built for SaaS, ecommerce, and tech
We understand recurring-revenue businesses. Underwriting is informed by ARR, churn, and unit economics — not just trailing P&L.
Dedicated capital advisor
You work with a senior advisor from sourcing through close. Not a call center — a single person who learns your business and stays with you.
North Lending agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
Just
transparency
Businesses succeed with North Lending
“We needed $15M of runway extension without a down-round. North Lending structured a revenue-based facility in three weeks. Cleanest term sheet I’ve seen.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Initial conversation with a senior advisor
A 30-minute call to scope structure, size, and timing. No application yet — we want to understand the goal before requesting data.
Start ApplicationQuick data-room review
Share ARR/MRR, customer cohort data, and 12-month financials. Our underwriting turns around indicative terms in 5–7 business days.
See your offersIndicative term sheet
Receive a non-binding term sheet with structure, sizing, pricing, and covenants. Negotiate directly with your advisor — no broker layer.
Talk to an advisorClose in 2 to 4 weeks
After signed term sheet, definitive docs and close typically run 2–4 weeks. Funded direct from our balance sheet or co-investor partners.
Get fundedNon-Dilutive Capital
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- Venture debt is one type of non-dilutive capital, typically paired with an equity raise. North Lending also offers revenue-based and asset-based structures that stand alone, no equity round required.
- Typically $5M+ in ARR for SaaS or $2M+ in monthly revenue for ecommerce. We focus on businesses past product-market fit with predictable growth.
- A mix of structure, business risk, and capital cost. SaaS revenue-based facilities typically price between 9–14% effective; asset-based and term structures can be lower.
- Most North Lending structures are pure debt — no warrants, no equity rights. A small subset of larger facilities include modest warrants; your advisor will flag this in the term sheet.
- From first call to funded: typically 4–6 weeks. The data-room and term-sheet phase is 1–2 weeks; definitive documentation is another 2–3 weeks.
Is non-dilutive capital the same as venture debt?+
What size businesses qualify?+
How is pricing determined?+
Are there warrants or equity kickers?+
How quickly can we close?+
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.