Hardware and reserved compute
On-prem GPU servers and networking qualify for equipment financing secured by the hardware. Reserved cloud capacity is funded from a line of credit or a term loan sized to the commitment schedule.
Funding for AI and software,
sized to the compute bill.
GPU reservations, cloud commitments and enterprise pilots that pay on net-90 all land before the revenue does. One 15-minute application, and we shop it to the lenders we work with that read contract revenue, with funding in as little as 24 hours.1 No impact to your credit score to apply.2
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$8,292
Illustrative terms11.9% APR · 36 mo
Net-90is normal on an enterprise pilot
A six-figure pilot that pays in 90 days is a win on paper and a gap in the bank. The right facility turns the signed contract into cash this week.
Capital for compute,
contracts and the team that ships
Software companies do not have inventory or trucks. They have signed contracts, usage revenue and a cloud bill that arrives on the first of the month. We match the product to that pattern.
Pilots and annual contracts
Invoice financing advances up to 85 percent of a signed enterprise invoice within days, so a net-90 pilot pays for its own deployment team.
Hiring ahead of ARR
A 24- to 36-month term loan funds the engineers and sellers you need before recurring revenue catches up, without repricing the company in a bridge round.
Contract revenue is still revenue
Lumpy, contract-based income is normal for an AI company, and several of the lenders we work with underwrite specifically against it. Bring signed customer agreements, usage-billing reports and bank statements. A clear list of who owes you what, and when, is the single strongest thing a software company can put in front of a lender.
How AI and software companies get funded with FundLine
Lattice Signal Labs
$312,500 of $400,000Available to draw
$87,500Outstanding balance
Draw funds
GPU reservation, Q4$60,000
Cloud commitment$27,500
Next payment$4,120 on Oct 1
Illustrative rate11.9% APR
- 1
Apply once
About 15 minutes. Company details, three to six months of bank statements and your key customer contracts. Connect your billing tool to speed things up.
- 2
Compare offers
We shop the application to the lenders we work with that fit a software business and lay the offers side by side: amount, rate, term and any covenants.
- 3
Fund the build
Accept the offer that fits. Lines of credit and invoice financing can fund in as little as 24 hours; equipment loans take a few days for the hardware quote.
Talk to someone who has
funded a model team before.
Our advisors have placed compute lines, pilot invoices and hiring loans for software companies at every stage from seed to Series C. Bring your ARR and your cloud bill; we will tell you which products fit before you apply.
Book a callReal people, any day of the week
What software founders say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsAI and software funding questions
Most start with a business line of credit for compute and cloud spend and a business credit card for tooling. Companies with signed contracts add invoice financing, and on-prem hardware qualifies for equipment financing. FundLine shops one application to the lenders we work with that fit a software business.
Yes. Purchased hardware such as GPU servers and networking gear can be financed with an equipment loan secured by the hardware itself. Reserved cloud capacity and multi-year compute commitments are usually funded from a line of credit or a term loan sized to the commitment schedule.
It does. Lenders look at signed enterprise contracts, annual recurring revenue, usage-billing reports and bank deposits together. Lumpy revenue is expected for a software company, and several lenders we work with underwrite specifically against it.
Lines of credit for software companies commonly run from $50K to $2M depending on ARR and cash on hand. Invoice financing is sized to the invoices you hold, and equipment loans to the hardware quote. Larger growth loans are available to companies with strong retention and investor backing.
No. Many software companies invest ahead of profit. Lenders weigh time in business, monthly revenue, cash on hand, runway and the quality of your customer contracts. Being pre-profit narrows the options and may reduce the amount, but rarely closes the door.
Usually not. Investors commonly see a right-sized line as a sign of financial discipline. Look for offers without warrants or restrictive covenants; every offer's terms are disclosed before you accept, and we flag anything that could trip a future raise.
The application takes about 15 minutes. Lines of credit and invoice financing typically return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept. Equipment and larger term loans take longer for quotes and diligence.
Three to six months of business bank statements, basic company details and, for larger amounts, a recent P&L, an ARR or usage report and copies of key customer contracts. A cap table helps for growth-stage requests.
Yes. Working-capital products are use-agnostic, so API spend, licensing and data acquisition all qualify. Equipment financing is limited to physical hardware, and SBA loans have their own eligible-use rules.
Business line of credit
Draw for compute and cloud spend, repay as usage revenue lands, and pay interest only on what you use.
Invoice financing
Turn a signed net-90 pilot into cash within days so the deployment ships before the customer pays.
Guides for software founders
How lenders read a software company, and how to get funded without giving up a slice of the cap table.
Guide
Getting ready to borrow
The document checklist and the numbers a lender wants from a contract-revenue business.
Read moreBlog
What funding costs at each stage
Seed to Series B: which products open up, and what they cost as ARR grows.
Read moreTool
Payment calculators
Model a compute line or a hiring loan against your ARR before you apply.
Read moreReady to fund
the next training run?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.