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Non-Dilutive · SaaS · Subscription Businesses

Revenue-Based Financing
Australia - ARR & SaaS Lending

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Specialist lenders will advance 3-4x your monthly recurring revenue (sometimes more) as non-dilutive growth capital - repaid as a fixed percentage of future revenue.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

SaaS and subscription businesses with $500k+ MRR, strong gross margin and low churn - who want growth capital without diluting equity.

SaaS or subscription business with $500k+ monthly recurring revenue (MRR)
Strong gross margin (70%+)
Low monthly churn (under 5% MRR)
12+ months of consistent revenue history
Need growth capital for sales, marketing, product
Prefer non-dilutive capital over venture / equity rounds

The real challenge

SaaS and subscription businesses are weird to lend to by traditional standards: no plant, no inventory, thin tangible balance sheet. But they have the best asset of all: contracted recurring revenue with predictable future cash flow.

Revenue-based financing (RBF) lenders solve the mismatch - they advance 3-4x your MRR (sometimes more, up to 8x ARR for stronger profiles) as a term loan, repaid as a fixed percentage of monthly revenue until the facility plus a cap (typically 1.3-1.6x) is paid.

How Mortgagefy helps

Specialist ARR lender panel. We know the Australian and international revenue-based finance providers (specialist RBF funds and local private credit) and their current MRR thresholds and pricing.
Multiples honest preview. We tell you upfront what MRR multiple you'll qualify for based on your churn, gross margin and revenue history.
Comparison vs equity. We model the true cost of RBF (annualised) vs an equivalent equity round's dilution so you decide with real numbers.
Hybrid structures - RBF alongside a smaller equity round or a credit facility for infrastructure costs.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Metrics review

60-min call - MRR, ARR, growth rate, churn, GM, cash runway, use of funds.

Lender shortlist

2-3 RBF lenders matched to your MRR level and growth profile.

Data room

Lender wants API access to your billing (Stripe, Chargebee, Chargify) + 2 years of accounting data.

Term sheet to settlement

4-6 weeks typical from term sheet to funds.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

What's revenue-based financing?

Term loan where repayments are a fixed percentage of monthly revenue (typically 3-10%) rather than a fixed instalment. Loan terminates when a cap (typically 1.3-1.6x of advance) is repaid. Non-dilutive alternative to equity.

How much can I borrow?

Typically 3-4x MRR for growing SaaS, up to 50% of ARR for mature businesses. On $500k MRR = $1.5m-$2m facility. On $2m MRR = $6m-$10m.

What does it cost?

Cap-and-return structure: typically pay back 1.3-1.6x of advance. On a 24-month implied term, that's an annualised cost of roughly 15-25% - cheaper than most equity dilution for growing businesses, more expensive than a bank term loan.

Will I need to give personal guarantees?

Most RBF providers don't require personal guarantees - the credit decision is based on the recurring revenue, not the founder's balance sheet. This is a key difference vs traditional business lending.

Will this prevent me from raising a Series A later?

No - RBF providers typically subordinate to future equity rounds. Many SaaS businesses use RBF between equity rounds to extend runway and raise at a higher valuation.

What businesses don't suit RBF?

One-off project businesses, hardware with low recurring revenue, early-stage pre-revenue, or businesses with high churn (over 10% monthly). RBF needs predictable recurring revenue to work.

Get your free revenue-based financing assessment

3-4x MRR as non-dilutive growth capital. For SaaS and subscription businesses with $500k+ MRR, low churn, strong gross margin.

Start Your Free Assessment Call 0432 634 648

Related guides

IT & Tech Business Loan

Broader tech business lending category.

Working Capital Loan

Alternative for less-SaaS-shaped businesses.

Business Loans Sydney

Term loans for broader business purposes.

Business Expansion Loan Sydney

Expansion capital for established businesses.

Business Acquisition Finance

Acquisition capital alternative.

Business Loan Sydney Startup

Early-stage startup finance options.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Revenue-Based FinancingAustralia - ARR & SaaS Lending