# Coho Growth

Source: https://businessloanbroker.ai/lenders/coho-growth/
Site: BusinessLoanBroker.ai (powered by Levr)

> Coho Growth lends $1 million to $10 million of growth debt to vertical B2B SaaS companies in the US and Canada. See the revenue fit and how to apply.

Coho Growth is a Vancouver based private debt fund that lends to B2B software companies so they can grow without selling more equity. It funds vertical SaaS businesses in the US and Canada with $2 million to $20 million in annual revenue, in cheques of $1 million to $10 million.

## Key facts
- **Products:** Business term loan, business line of credit
- **Funding range:** $1,000,000 to $10,000,000
- **Repayment:** Fixed term debt, including interest only and long term amortizing structures
- **Operates in:** United States and Canada
- **Industries:** B2B software and SaaS, with a preference for vertical markets
- **Founded and headquarters:** 2023, Vancouver, British Columbia
- **Website:** cohogrowth.com

## What does Coho Growth offer?

Coho Growth offers growth debt in two shapes: a fixed [term loan](https://businessloanbroker.ai/business-loans/term-loans/), with interest only periods and long amortization available, and a [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/). Loans run from $1 million to $10 million and are written against recurring software revenue rather than hard assets. The fund is backed by high net worth individuals and family offices, and its founders previously built TIMIA Capital. It publishes $225 million deployed across 91 companies, counting the founders' prior firm, as a company figure.

## Who does Coho Growth fund, and who do they decline?

Coho funds B2B SaaS companies in the US and Canada, with a stated preference for vertical software that serves one industry deeply. Its published fit is $2 million to $20 million in annual revenue and a plan to grow toward an exit without diluting further.

It does not publish decline criteria. Everything below $2 million in revenue, pre revenue startups, consumer apps and non software businesses are outside the stated target. A smaller SaaS company should compare [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/), and a software company that needs equipment rather than cash should look at [Camber Road](https://businessloanbroker.ai/lenders/camber-road/).

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

Coho does not publish rates, fees or timelines; terms are quoted per company. Growth debt is usually priced as an interest rate in the low to mid teens plus a closing fee, sometimes with warrants, and the term sheet will set covenants on revenue or cash. Our [venture debt](https://businessloanbroker.ai/business-loans/venture-debt/) page gives the typical range and our [term sheet guide](https://businessloanbroker.ai/guides/how-to-read-a-term-sheet/) explains covenants and warrants. Expect a process measured in weeks with diligence calls, not an instant decision.

## What will you need to apply?

Prepare a growth equity style package: three years of financial statements and a current forecast, monthly recurring revenue and churn data by customer cohort, a cap table and funding history, bank statements, your investor deck and corporate documents. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the baseline; the SaaS metrics are the extra piece.

## How does Coho Growth compare with similar lenders?

[Flow Capital](https://businessloanbroker.ai/lenders/flow-capital/) is a public Toronto firm lending $2 million to $10 million or more of senior secured venture debt to tech companies above $3 million in revenue, with 1% to 3% warrant coverage and no personal guarantees. [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/) funds smaller SaaS companies with revenue based financing up to $10 million, repaid as a share of monthly revenue to a 1.3x to 1.5x cap. Coho is the newest of the three and the only one that states a vertical SaaS preference.

## How to apply

Apply once on this site and matching shows whether Coho Growth, 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 |
|---|---|---|---|---|
| Coho Growth | Growth term loans, lines of credit | $1,000,000 to $10,000,000 | United States and Canada | Vertical B2B SaaS companies with $2 million to $20 million revenue |
| Flow Capital | Venture debt, revenue based financing | $2,000,000 to $10,000,000 or more | United States, Canada, UK | B2B SaaS and tech companies above $3 million revenue wanting growth capital without dilution |
| Lighter Capital | Revenue based financing, term loan, contract financing | Up to $10,000,000 | United States, Canada, Australia | Revenue generating SaaS and tech startups wanting growth capital without equity |

## Questions and answers
**Does Coho Growth take equity?**

The profile describes its capital as non dilutive growth debt. Some growth lenders attach warrants; ask whether any equity component is part of the term sheet.

**What revenue do I need?**

Coho publishes a fit of $2 million to $20 million in annual revenue. Below that, Lighter Capital is the more likely match for a SaaS company.

**Does Coho lend to horizontal SaaS?**

Its published preference is vertical markets, meaning software built for one industry. Horizontal products are not excluded, but vertical SaaS is the stated sweet spot.

## Related
- [Flow Capital](https://businessloanbroker.ai/lenders/flow-capital/)
- [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/)
- [Venture debt](https://businessloanbroker.ai/business-loans/venture-debt/)
- [Business term loans](https://businessloanbroker.ai/business-loans/term-loans/)

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