The Founders' Dilemma
You’ve built something real. Now you need capital to grow, but the traditional options come with costly tradeoffs.
Equity
%
You give up ownership, control, and often board seats, plus you’re locked into an exit-driven timeline that may not be right for your business.
Debt
$
Lenders require collateral, personal guarantees, and lengthy approval processes. Many growing businesses simply don’t qualify.
Bootstrap
↓
Without growth capital, competitors gain ground. Opportunities slip away. Staying still in a growing market is moving backward, requiring deep pockets.
What is Revenue-Based Financing?
Revenue-Based Financing (RBF) is a non-dilutive form of growth capital where repayment is based on a share of monthly revenues, not the sale of your company. Once a set amount has been paid, we go away without taking your ownership with us.
No equity transferred - you keep 100% ownership
No personal guarantees or collateral required
Payments fluctuate with your monthly cash receipts for flexible cash flow management
Typical repayment in 3-5 years
Transparent Deal Terms
Four variables, fully customized to your business.
$100K - $1M
INVESTMENT AMOUNT
Qualify for up to â…“ of LTM revenue
3–8%
REVENUE RATE
Fixed up front; determines monthly payments
1.75–3X
RETURN MULTIPLE
Risk-adjusted, capped return is fixed up front
3–5 years
REPAYMENT PERIOD
Sustainable time to finish paying
Do You Qualify?
​Our ideal portfolio company meets these criteria.
$300K+ Annual Revenue
Generating revenue and ready to grow. Business model doesn't need to be a subscription or SaaS.
40% Stable Gross Margins
Healthy margins that indicate a scalable and profitable business model.
Accurate Financials
Ablility to provide accurate financial statements on a monthly basis.
Clear Growth Plan
Can demonstrate how Sage’s capital will accelerate your growth.
Why Sage Growth Capital
We align our success with yours. Growing sales, not chasing exits.
No Equity
You built it, you keep it. We don’t take an ownership stake in your company.
Fast, Flexible Capital
Flexible terms and an efficient process gives you the cash you need quickly so you can get back to business.
Investment Ends Cleanly
There’s no upside for us. Once you’ve repaid our agreed upon amount, the investment is finished.
Aligned Incentives
Our return improves when your revenue grows, we’re rooting for the same outcomes.
No Personal Guarantees
We require no personal guarantees or UCC liens, preserving your ability to arrange other financing.
Sage Advisors & Insights
Full access to our professional network and curated services to support your business and capital needs.
The Application Process
From first contact to funded, it's a straightforward path completed in 4-5 weeks on average.
1 / Submit Application
Complete our online application here. Typically takes less than 5 minutes.
2 / Pricing
After reviewing your application and confirming eligibility, we will propose a pricing offer.
3 / Due Diligence
If pricing is accepted, we will kick off due diligence reviewing your revenue history, margins and growth plan together.
4 / Term Sheet & Close
If diligence clears, we will offer you a customized term sheet that directly reflects the pricing we agreed upon at the beginning of this process.
5 / Funding & Growth
Your business is funded and begins to deploy the capital. Monthly payments begin, flexing with your revenue.
Ready to grow on your terms?
