Working capital for
SaaS & services businesses
Software, IT services, consulting, and agencies get paid when clients decide to pay, often 30 to 90 days after the work is done. Drip Capital turns your unpaid invoices into cash now, so payroll and growth never wait on a client's billing cycle.
Where your cash gets trapped in SaaS & services
No Assets to Pledge
Banks lend against real estate, equipment, and inventory. A services business runs on people and receivables, so loan applications get declined or capped far below what the business actually needs.
Revenue Arrives Late
The work is delivered, but payment lands 30 to 90 days later. Payroll, software, and rent run on a fixed schedule that does not wait for a client's billing cycle.
Financing Built for Product Companies
Term loans pile fixed debt onto lumpy revenue, and merchant cash advances often cost far more than the gap they close. Most products were designed for businesses with inventory, not invoices.
Drip Capital products built for services businesses
Receivables Financing
Advance cash against an invoice the day you issue it, instead of waiting 30 to 90 days for your client to pay. We underwrite your client's credit, not your assets, so the enterprise relationships that make your business valuable are what make it financeable.
Learn more →Line of Credit
A revolving line to cover payroll, software, and overhead when fixed costs land before invoice payments clear. Draw what you need, repay as clients pay, and the credit replenishes for the next gap.
Learn more →Vendor Financing
Pay your subcontractors, cloud and software vendors, and outsourced partners on time, even when client payments are still weeks out. Drip pays them now, and you repay on flexible terms.
Learn more →"We're profitable, but our largest clients pay on net 60. Drip Capital advances against those invoices, so we can make payroll and take on the next project instead of waiting two months to get paid. It's the first financing that actually fit how a services business runs."
Get paid for work you've already delivered
Stop letting net-60 terms dictate your payroll. Get a credit decision in 48 hours, underwritten on your clients' strength, not hard assets you don't have.