Tech Start-Up Loans
Non-dilutive capital from $50K to $5M for technology companies: venture debt, revenue-based financing and bridge-to-equity loans.
Fuel Your Runway on Your Terms
Equity is the most expensive capital a founder can raise. Our Tech Start-Up program offers venture debt, revenue-based financing and bridge loans that extend your runway and fund growth while you keep ownership of your company.
We understand SaaS metrics, recurring revenue, burn multiples and funding milestones. We underwrite your traction, investors and pipeline, not just your balance sheet, and many facilities are fully unsecured.
Program Highlights
- Venture debt alongside or between equity rounds
- Revenue-based financing repaid as a share of revenue
- Bridge-to-equity loans ahead of a committed round
- Unsecured structures for qualifying companies
- Limited or no warrants
- Founder-friendly covenants
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Extend Runway
Reach your next milestone before raising.
Engineering & Hiring
Build your product and team.
Customer Acquisition
Scale marketing with predictable payback.
Infrastructure & Hardware
Fund servers, devices and inventory.
International Launch
Expand into Canada, the UK or the Middle East.
Acquisitions
Buy complementary teams or technology.
Typical Requirements
- Technology or tech-enabled business
- Recurring revenue (typically $25K+ MRR) or institutional investor backing
- Clear path to the next milestone or profitability
- Up-to-date cap table and financials
Documents We Will Ask For
- Pitch deck or executive summary
- Use of funds and runway model
- Financial statements and KPI dashboard (MRR, churn, CAC)
- Cap table and recent investor updates
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
Can pre-revenue start-ups qualify?
Pre-revenue companies can qualify for bridge loans when they have a committed or closing equity round from credible investors.
Do you take equity or warrants?
Most of our facilities carry no warrants. Where warrants are included, coverage is small and agreed upfront.
Is the loan secured?
Many tech facilities are unsecured. Larger facilities may take a general security interest in business assets, never personal property.
You May Also Consider
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Talk About Your Tech Start-Up Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.