Flexible credit line

With our credit line, you typically make interest-only payments on the outstanding balance. The principal amount drawn can be repaid according to the agreed terms, often allowing for flexibility to repay and redraw funds as needed, up to your credit limit. Specific repayment terms will be detailed in your proposal.

While a credit line might seem like a standard product, our specialization in tech, software, and e-commerce businesses gives us an edge. We are experienced entrepreneurs who understand your challenges. Our process is designed to be fast, transparent, and flexible, tailored to the needs of growing tech companies, often with a quicker turnaround and more understanding of recurring revenue models than traditional banks.

We aim for a fast and transparent process. Once your application is approved and agreements are signed, you can typically access funds quickly to meet your business needs. The exact timeline can vary, but we prioritize efficiency so you can focus on growth.

No, our credit line is a form of non-dilutive financing. This means you can access the capital you need without giving up equity or ownership in your company, allowing you to retain full control.

The costs typically include interest on the amount you draw and potentially an availability fee for keeping the line open. Our pricing is transparent and tailored to your company's profile and needs. We will provide a detailed proposal outlining all costs after assessing your application.

To qualify, your business generally needs a minimum of €75,000 in monthly recurring revenue, a recurring revenue model (like SaaS or subscription services) or at least 24 months of consistent revenue history, a healthy financial position with a clear path to profitability, professional documentation (up-to-date financials, forecasts, growth plan), and be based in Europe. We assess each application individually.

Our credit line is ideal for tech, software, and e-commerce companies to manage temporary liquidity squeezes, such as bridging the gap while waiting for payments from enterprise clients. It can also cover unexpected expenses or short-term working capital needs, ensuring you can maintain smooth operations and client relationships.

A flexible credit line from Capital Mills provides your business with access to a pre-approved amount of capital that you can draw upon as needed, up to your credit limit. You pay an availoability fee and interest on the amount you've drawn. It's designed to offer immediate liquidity to manage cash flow fluctuations or seize growth opportunities without the rigid structure of a traditional term loan.

We assess each application individually and can tailor solutions to your company’s unique needs. If you meet most of the criteria and are ready to scale, we encourage you to connect with our team to discuss your options.