# Capchase

Source: https://businessloanbroker.ai/lenders/capchase/
Site: BusinessLoanBroker.ai (powered by Levr)

> Capchase pays B2B software and technology vendors up front while buyers pay in instalments, on deals from $25,000 to $10 million. See who it fits.

Capchase is a New York fintech that finances B2B software, technology and hardware purchases. It pays the vendor up front on net 30 terms while the buyer repays in monthly, quarterly or extended instalments, on deals from $25,000 to $10 million across nine countries including the US and Canada.

## Key facts
- **Products:** B2B net terms and vendor financing (Capchase Pay)
- **Funding range:** $25,000 to $10,000,000
- **Repayment:** Buyer pays monthly, quarterly or extended instalments; vendor paid up front on net 30 terms
- **Operates in:** Nine countries including the US, Canada, UK, Ireland and Spain
- **Industries:** B2B software, technology and hardware vendors and their buyers
- **Founded and headquarters:** 2020, New York, with offices in San Francisco and Madrid
- **Website:** capchase.com

## What does Capchase offer?

Capchase offers vendor financing for B2B technology sales. If you sell software or hardware, you can give a buyer monthly, quarterly or longer instalments and Capchase pays you the full contract value up front on net 30 terms. If you are the buyer, it lets you spread a large annual software or hardware bill into instalments. Deals run from $25,000 to $10 million, are unsecured, and are qualified on recurring revenue. Capchase publishes more than $2 billion in financing volume, as a company figure.

## Who does Capchase fund, and who do they decline?

Capchase funds B2B software, technology and hardware vendors and their business buyers in the US, Canada, UK, Ireland, Spain and four other countries. Qualification is based on recurring revenue, so a vendor with subscription contracts and a buyer with a stable business are the natural fit.

It does not publish a revenue threshold or decline criteria. A retailer, restaurant or trades business is outside its scope entirely; those owners should use the general [loan type pages](https://businessloanbroker.ai/business-loans/) instead. A vendor that wants to finance physical goods orders rather than software should look at [purchase order financing](https://businessloanbroker.ai/business-loans/purchase-order-financing/).

## What does it typically cost and how fast is it?

Capchase does not publish rates or fees; pricing is quoted per deal. Vendor financing is usually priced as a discount on the contract value paid by the vendor, a financing charge paid by the buyer, or a mix, so ask which side carries the cost. Funding speed is not published beyond the net 30 payment to the vendor. Our [term sheet guide](https://businessloanbroker.ai/guides/how-to-read-a-term-sheet/) covers how to read an instalment schedule and spot hidden charges.

## What will you need to apply?

Vendors will need the signed customer contract or order form, their own financials and recurring revenue data, and corporate documents. Buyers will be asked for recent financial statements, bank statements and company details. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the general set; the contract itself is the key document for this product.

## How does Capchase compare with similar lenders?

[Backd](https://businessloanbroker.ai/lenders/backd/) offers a B2B net terms product to US companies alongside its lines and term loans, so it suits a smaller US vendor that also wants working capital. [Merchant Growth](https://businessloanbroker.ai/lenders/merchant-growth/) offers B2B net terms in Canada through its Tabit product alongside term loans and lines. Capchase is the specialist for larger software and technology deals and the only one of the three operating across North America and Europe.

## How to apply

Apply once on this site and matching shows whether Capchase, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Capchase | B2B net terms and vendor financing | $25,000 to $10,000,000 | US, Canada, UK, Ireland, Spain and four more | B2B technology vendors offering buyers payment terms while paid up front |
| Backd | Line of credit, term loan, B2B net terms | $50,000 to $2,000,000 | United States | Established US businesses above $100,000 revenue needing fast working capital |
| Merchant Growth | Term loan, line of credit, cash advance, B2B net terms | $5,000 to $1,000,000 | Canada | Established Canadian businesses above $10,000 monthly revenue needing growth capital |

## Questions and answers
**Is Capchase a loan to my business?**

If you are the vendor, no: Capchase pays you for the contract and collects from your buyer. If you are the buyer, you take on an instalment obligation to Capchase, so read it as you would a loan.

**Does Capchase still offer revenue based financing for SaaS?**

The profile lists B2B net terms and vendor financing as its top product. For revenue based growth capital, compare Lighter Capital, Flow Capital or Coho Growth.

**Who pays for the financing?**

It depends on the deal. The vendor may accept a discount, the buyer may pay a financing charge, or both. Ask for the structure in writing before you sign.

## Related
- [Backd](https://businessloanbroker.ai/lenders/backd/)
- [Merchant Growth](https://businessloanbroker.ai/lenders/merchant-growth/)
- [Purchase order financing](https://businessloanbroker.ai/business-loans/purchase-order-financing/)
- [Venture debt](https://businessloanbroker.ai/business-loans/venture-debt/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-capchase
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)