# Flow Capital

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

> Flow Capital provides $2 million to $10 million plus of senior venture debt to tech companies above $3 million revenue, with no personal guarantees.

Flow Capital is a publicly traded Toronto firm that provides growth capital to high growth software and technology enabled companies. It funds revenue generating B2B SaaS and technology businesses above $3 million in revenue in the US, Canada and UK, with $2 million to $10 million or more of senior secured debt and no personal guarantees.

## Key facts
- **Products:** Venture debt, revenue based financing
- **Funding range:** $2,000,000 to $10,000,000 or more
- **Repayment:** Non amortizing over a two to four year term, with 1% to 3% warrant coverage
- **Security:** Secured senior loan; no personal guarantees
- **Operates in:** United States, Canada and United Kingdom
- **Industries:** Sector agnostic with a growth and technology focus; excludes real estate and resource extraction
- **Founded and headquarters:** 2018 (origins in 2014), Toronto, Ontario; listed on the CSE as FW

## What does Flow Capital offer?

Flow Capital offers [venture debt](https://businessloanbroker.ai/business-loans/venture-debt/) and [revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/) in cheques of $2 million to $10 million or more. The loan is senior and secured but non amortizing over two to four years, so you pay interest and repay the principal at the end rather than grinding it down monthly. Flow takes 1% to 3% warrant coverage, minimal covenants and no board seat, and there is no personal guarantee. Its website is flowcap.com. It publishes more than $179 million deployed across 68 plus companies, as a company figure.

## Who does Flow Capital fund, and who do they decline?

Flow funds revenue generating technology companies, with B2B SaaS as the core, in the US, Canada and the UK. Its published fit is revenue above $3 million, and it is sector agnostic beyond a growth and technology focus. Real estate and resource extraction are excluded.

Beyond those exclusions it does not publish decline criteria. Pre revenue companies, businesses under $3 million and those needing under $2 million are outside the stated range; [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/) reaches smaller SaaS companies. Non technology businesses should use the general [loan type pages](https://businessloanbroker.ai/business-loans/).

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

Flow does not publish an interest rate or fees; the only published pricing element is the 1% to 3% warrant coverage. Venture debt is usually priced as an interest rate in the low to mid teens plus closing fees, with warrants as the equity kicker. 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 warrants and covenants. Funding speed is not published; expect weeks of diligence.

## What will you need to apply?

Prepare three years of financial statements, a forecast, monthly recurring revenue and churn data, a cap table and funding history, bank statements, the investor deck and corporate documents. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the baseline items; the SaaS metrics and cap table are the extras venture lenders want.

## How does Flow Capital compare with similar lenders?

[Coho Growth](https://businessloanbroker.ai/lenders/coho-growth/) lends $1 million to $10 million of fixed term growth debt to vertical B2B SaaS companies with $2 million to $20 million in revenue, from a private fund. [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/) offers revenue based financing up to $10 million, repaid as a share of revenue to a 1.3x to 1.5x cap, for smaller SaaS startups. Flow is the only public company of the three and the only one that publishes warrant coverage and a non amortizing structure.

## How to apply

Apply once on this site and matching shows whether Flow Capital, 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 |
|---|---|---|---|---|
| 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 |
| 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 |
| 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 Flow Capital take equity?**

It takes warrants of 1% to 3%, as published, which is a right to buy shares later. It does not take a board seat and the loan is otherwise debt.

**What does non amortizing mean?**

You pay interest during the term and repay the principal at maturity or through a refinancing, rather than in equal monthly instalments. It keeps cash in the business while you grow.

**Is there a personal guarantee?**

No. Flow publishes that its loans carry no personal guarantees. The loan is secured against the company's assets instead.

## Related
- [Coho Growth](https://businessloanbroker.ai/lenders/coho-growth/)
- [Lighter Capital](https://businessloanbroker.ai/lenders/lighter-capital/)
- [Venture debt](https://businessloanbroker.ai/business-loans/venture-debt/)
- [Revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/)

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