The Best SaaS Financing Company
Transform Your MRR into ARR without loans
Most SaaS startups are looking for a better way to get the capital they need to grow.
The traditional options for SaaS finance are either to take on equity investors, which dilutes the founders' ownership and control or to borrow money from a SaaS revenue-based financing lender or SaaS debt financing company.
Debt financing from SaaS financing companies often comes with restrictive covenants. These can make it tough for founders to run their business in a flexible way. Since SaaS companies tend to have fewer tangible assets, most SaaS lending is in the form of ARR financing or MRR financing where your repayment is accelerated as you grow your revenue.
Both of these options can be risky and can limit a SaaS startup's ability to grow.
Pipe offers a better way.
Pipe’s platform enables SaaS companies to trade their recurring revenue for up-front capital from institutional investors. Instead of interest or repayment multiples, we charge a small flat fee on trades on both sides instead, so it’s steady for all parties involved.
When you use Pipe for SaaS financing, you can leverage the recurring nature of SaaS revenue to get the capital you need at a low cost and without dilution or restrictive covenants.
Get SaaS financing in as little as 24 hours with our simple sign-up and real-time account connections.
One click,
instant payout
It's that easy. Convert your recurring revenue streams into instant upfront capital anytime.
More customers, no disruptions
It's frictionless. Get paid upfront without discounts.
Loved by
industry leaders
""Pipe is the tool every SaaS founder has been waiting for. It allows SaaS companies to grow without dilution by financing their SaaS receivables.”"
David Sacks
Founder, Yammer
"Pipe is super start-up friendly. And in terms of getting capital that you need for an M&A transaction, we've never come across a faster way to do it."
AJ Agrawal
Founder & CEO, Verma Farms
"Pipe enables SaaS companies to leverage their most valuable asset: the recurring revenue streams they’ve built. Through Pipe, companies can augment fundraising and optimize cash-flow without dilution."
Brad Armstrong
VP Business & Corporate Development, Slack
"Managing cash flow is critical for any SaaS business, and being able to offer monthly payment terms to customers but get the annual upfront cash flow through Pipe is a competitive advantage for healthy growth of the company!"
John S. Kim
CEO, Sendbird
"Pipe is the most founder-friendly, non-dilutive, financing instrument I’ve seen to date. Pipe supercharges cash flows from multi-year sales contracts, without any ACV degradation. Further, their versatility with monthly/quarterly payment terms is a huge plus."
Gerald Tan
Director of Strategy, Second Measure
"Having overseen thousands of sales and contracting processes during my career, I instantly saw the value in Pipe’s elegant solution to the payment term vs. cash flow problem that so many companies face."
Jon Runyan
General Counsel, Okta
"Up until now, SaaS businesses had only two choices: scale fast while accepting significant debt or dilution, or bootstrap, while accepting less available cash flow and usually slower growth. Pipe is now the third option: scale without dilution."
Des Traynor
Co-Founder, Intercom
"We often risked losing deals by requiring annual upfront payments when customers wanted to pay monthly. Pipe solves this and allows us to invest more heavily in our growth. It may easily save us a fundraise."
Keith Ryu
CEO, Fountain
"Now more than ever, cash is king. Pipe meets this need by providing access to a new, non-dilutive financing option with the ability to attract and retain customers through flexible payment options. They say timing is everything, and Pipe’s time is now."
Dan Wright
President & CEO, DataRobot
"Pitch customers, not investors, and let Pipe convert your contracts into instant, dilution-free financing."
Naval Ravikant
Founder, AngelList
""Pipe is the tool every SaaS founder has been waiting for. It allows SaaS companies to grow without dilution by financing their SaaS receivables.”"
David Sacks
Founder, Yammer
"Pipe is super start-up friendly. And in terms of getting capital that you need for an M&A transaction, we've never come across a faster way to do it."
AJ Agrawal
Founder & CEO, Verma Farms
"Pipe enables SaaS companies to leverage their most valuable asset: the recurring revenue streams they’ve built. Through Pipe, companies can augment fundraising and optimize cash-flow without dilution."
Brad Armstrong
VP Business & Corporate Development, Slack
"Managing cash flow is critical for any SaaS business, and being able to offer monthly payment terms to customers but get the annual upfront cash flow through Pipe is a competitive advantage for healthy growth of the company!"
John S. Kim
CEO, Sendbird
"Pipe is the most founder-friendly, non-dilutive, financing instrument I’ve seen to date. Pipe supercharges cash flows from multi-year sales contracts, without any ACV degradation. Further, their versatility with monthly/quarterly payment terms is a huge plus."
Gerald Tan
Director of Strategy, Second Measure
"Having overseen thousands of sales and contracting processes during my career, I instantly saw the value in Pipe’s elegant solution to the payment term vs. cash flow problem that so many companies face."
Jon Runyan
General Counsel, Okta
"Up until now, SaaS businesses had only two choices: scale fast while accepting significant debt or dilution, or bootstrap, while accepting less available cash flow and usually slower growth. Pipe is now the third option: scale without dilution."
Des Traynor
Co-Founder, Intercom
"We often risked losing deals by requiring annual upfront payments when customers wanted to pay monthly. Pipe solves this and allows us to invest more heavily in our growth. It may easily save us a fundraise."
Keith Ryu
CEO, Fountain
"Now more than ever, cash is king. Pipe meets this need by providing access to a new, non-dilutive financing option with the ability to attract and retain customers through flexible payment options. They say timing is everything, and Pipe’s time is now."
Dan Wright
President & CEO, DataRobot
"Pitch customers, not investors, and let Pipe convert your contracts into instant, dilution-free financing."
Naval Ravikant
Founder, AngelList
""Pipe is the tool every SaaS founder has been waiting for. It allows SaaS companies to grow without dilution by financing their SaaS receivables.”"
David Sacks
Founder, Yammer
"Pipe is super start-up friendly. And in terms of getting capital that you need for an M&A transaction, we've never come across a faster way to do it."
AJ Agrawal
Founder & CEO, Verma Farms
"Pipe enables SaaS companies to leverage their most valuable asset: the recurring revenue streams they’ve built. Through Pipe, companies can augment fundraising and optimize cash-flow without dilution."
Brad Armstrong
VP Business & Corporate Development, Slack
"Managing cash flow is critical for any SaaS business, and being able to offer monthly payment terms to customers but get the annual upfront cash flow through Pipe is a competitive advantage for healthy growth of the company!"
John S. Kim
CEO, Sendbird
"Pipe is the most founder-friendly, non-dilutive, financing instrument I’ve seen to date. Pipe supercharges cash flows from multi-year sales contracts, without any ACV degradation. Further, their versatility with monthly/quarterly payment terms is a huge plus."
Gerald Tan
Director of Strategy, Second Measure
"Having overseen thousands of sales and contracting processes during my career, I instantly saw the value in Pipe’s elegant solution to the payment term vs. cash flow problem that so many companies face."
Jon Runyan
General Counsel, Okta
"Up until now, SaaS businesses had only two choices: scale fast while accepting significant debt or dilution, or bootstrap, while accepting less available cash flow and usually slower growth. Pipe is now the third option: scale without dilution."
Des Traynor
Co-Founder, Intercom
"We often risked losing deals by requiring annual upfront payments when customers wanted to pay monthly. Pipe solves this and allows us to invest more heavily in our growth. It may easily save us a fundraise."
Keith Ryu
CEO, Fountain
"Now more than ever, cash is king. Pipe meets this need by providing access to a new, non-dilutive financing option with the ability to attract and retain customers through flexible payment options. They say timing is everything, and Pipe’s time is now."
Dan Wright
President & CEO, DataRobot
"Pitch customers, not investors, and let Pipe convert your contracts into instant, dilution-free financing."
Naval Ravikant
Founder, AngelList
What about churn?
Just swap churned revenue streams for active ones, and you're good to go.
Seamless integration
Pipe works effortlessly with your existing tools.
Syncs with your existing payment tools
Pipe constantly syncs with your contracts in real-time.
Automated monthly statements
Keep your accounting team in the know without lifting a finger.
No extra work for your team
See results in real-time while you focus on growth.
Never take on debt or dilution again.
Sign up in minutes and get a trading limit within 24 hours of connecting your accounts.