Revenue-based financing
Earnest Capital
Fit 85Cold inbound OK
Sample data — verify thesis, stage focus, and contact info before reaching out.
Shared-Earnings Agreement (SEAL) — non-dilutive capital with revenue share. Bootstrapper-friendly.
Stages
Pre-seedSeedRevenue-stage
Geographies
global
Industries
saasdeveloper-tools
Business models
saassmb
Check size
$50,000 to $250,000
Founder segments
solo-founderfirst-time-founderdomain-expert
How to reach them
Apply via earnestcapital.com once you have 3+ months of revenue.
Outreach starter
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Lender preparation checklist
# Lender preparation checklist Bring everything below to your first lender meeting. - [ ] Two years of business tax returns (Form 1120 / 1065). - [ ] Two years of personal tax returns for any 20%+ owner. - [ ] Year-to-date profit and loss statement. - [ ] Year-to-date balance sheet. - [ ] Last three months of business bank statements. - [ ] Business debt schedule (loans + lines of credit + leases). - [ ] Articles of incorporation + EIN letter. - [ ] Business license + any required permits. - [ ] Lease or property deed. - [ ] Three years of projected financials with assumptions. - [ ] Detailed use of funds (line-itemed). - [ ] Personal financial statement for each guarantor. - [ ] Resumes of the leadership team.
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