Non-dilutive
Growth Loan

Yes, our Growth Loan can be a great fit for companies with strong recurring revenues and a clear path to profitability, even if they are not profitable yet. The funding can be used to bridge your company to a break-even point or further profitability, aligning with your growth strategy.

Capital Mills offers Growth Loans that can provide funding up to 6 times your Monthlyl Recurring Revenue, enabling significant investment in your growth strategy. The exact amount is tailored to your business's specific needs and financial profile, which we determine after our assessment.

We pride ourselves on a fast and transparent process. After an initial introductory call and you providing the necessary financial information, we can typically assess eligibility and provide a detailed proposal promptly. Funding can often be arranged in as little as four weeks.

The cost of capital for 80% of our ARR loans ranges between 12% and 18% per year. Repayments are structured as a percentage of your monthly cash revenue and can extend for up to 60 months. This revenue-linked repayment offers flexibility. All terms are transparently outlined in a detailed proposal.

We understand that business isn’t always linear. If your revenue slows down, your repayments automatically decrease as well. This built-in flexibility is a key advantage of our approach and one of the reasons founders choose Capital Mills over more rigid alternatives. Our long-term partnership mindset means we’ll work with you through ups and downs—standing by your side, not just when things go smoothly. When deviations become so substantial that overall repayment no longer seems possible within the agreed repayment period, we work with you on amended conditions.

Non-dilutive financing means you do not owe an equity stake to the financing provider. This may sound obvious but the nature of Capital Mills Growth Loan is such that it has a lot of characteristics like equity, such as the 'non-asset backed' nature and deployment for company growth, but you do not give up shares, so there is no dilution.

The repayment period of our Growth Loans is up to 60 months, which is longer than typically offered by other RBF providers. We have been one of the frontrunners in Europe for revenue-based financing since 2019, focusing on what founders actually need. Our approach cuts out unnecessary bank jargon and hassle, offering a straightforward, flexible solution. Plus, 60% of our clients have more than one loan from us, attesting to our partnership approach.