Lighter Capital

What does Lighter Capital offer?

Lighter Capital offers revenue based financing as its main product: you receive capital and pay back a fixed percentage of monthly revenue until you have repaid 1.3x to 1.5x the amount, which typically takes around three years. There is also a fixed payment term loan and contract financing against signed customer contracts. All are unsecured with no collateral, no equity and no board seat. Its website is lightercapital.com. It publishes more than $550 million deployed across 660 plus startups, as a company figure.

Who does Lighter Capital fund, and who do they decline?

Lighter funds revenue generating SaaS and technology companies with recurring revenue in the US, Canada and Australia. The model needs monthly recurring revenue to size the payment, so the typical customer is a B2B software company past its first customers and growing.

It does not publish a revenue minimum or decline criteria. Pre revenue startups have nothing to base the payment on, and non software businesses are outside its focus. Larger companies above $3 million in revenue that want bigger cheques should compare Flow Capital or Coho Growth.

What does it typically cost and how fast is it?

Lighter publishes the shape of the cost: a total repayment cap of 1.3x to 1.5x the amount funded over roughly three years, which is the clearest pricing disclosure among the venture lenders in this directory. It does not publish fees. Because the monthly payment flexes with revenue, a slow month lowers the payment and a strong month raises it. Our revenue based financing page shows how a 1.4x cap over three years compares with a term loan APR. Funding speed is not published.

What will you need to apply?

Prepare monthly recurring revenue and churn data, two years of financial statements and a forecast, bank statements, a cap table, customer concentration figures and corporate documents. For contract financing, add the signed customer contracts. Our document checklist covers the baseline items.

How does Lighter Capital compare with similar lenders?

Flow Capital provides $2 million to $10 million or more of senior secured, non amortizing venture debt with 1% to 3% warrants to tech companies above $3 million in revenue. Coho Growth lends $1 million to $10 million of fixed term growth debt to vertical SaaS companies with $2 million to $20 million in revenue. Lighter reaches earlier stage companies than either, takes no warrants, and is the only one of the three in Australia.

How to apply

Apply once on this site and matching shows whether Lighter 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. 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.