Access efficient growth financing. On your terms.
Lendity Growth is a non-dilutive, flexible and long-term capital solution for Swiss tech-enabled businesses.
Don't delay growth
Access a new capital solution designed for growing tech companies.
Use your time wisely
Get capital faster. Save time and focus to seize growth opportunities.
Reduce cost of funding
Equity is dilutive and the most expensive capital.
Control your company
Giving up control can bring non-aligned interests and changes in governance.
How Apiax secured non-dilutive, long-term, and flexible growth financing with Lendity.
"Speed was critical for us to keep the focus on our growth momentum. Thanks to Lendity’s solution, we could close long-term growth financing while maintaining full flexibility."
Philip Schoch, Apiax CEO & Co-founder
The most Founder-friendly growth capital available in Switzerland
Non-dilutive
Keep your equity, you worked hard to build it.
Flexible Payback
Match your payback with your growth for maximum flexibility.
Long Term Capital
Long term view for long term value creation.
Fast process
Use your precious time to focus on growth opportunities.
Keep Optionality
You decide whether or not you want to raise debt or equity in the future.
Works along VCs
Fully complementary with past or future equity investments.
No valuation change
Save energy as there is no need to align on valuations.
Efficient cost of funding
Access the most efficient funding available for growth.
Same governance
No change to the board or new shareholder agreement needed.
Is Lendity Growth for me?
Lendity Growth is typically a good fit for growing tech-enabled businesses.
- Growth momentum
- Healthy margins
- Client diversification
- Low churn
- Not overindebted
Frequently Asked Questions
1What is Lendity Growth?
Lendity Growth is a long-term funding solution used for growth purposes that is paid back with a percentage of future revenues until a pre defined return amount is reached. This means a faster payback when the company’s sales are growing and slower payback in case of fewer sales.
2How is Lendity Growth structured?
Lendity Growth is structured as a loan, comes with no dilution and no personal guarantees. Unlike traditional debt, it does not use an interest rate but rather a return cap. The return cap is the total amount that needs to be paid back and it typically ranges between 1.2x and 1.6x of the original loan, depending on the maturity and borrower profile.
3How is the loan paid back?
The loan is paid back with a pre-defined fixed percentage of monthly revenues, also called the revenue share, typically ranging from 5% to 10%. The revenue share continues until the return cap is reached. This provides great flexibility, removing the uncertainty and stress linked to traditional debt payback.
4What is the tenor of Lendity Growth?
Because we believe in the value creation of long-term projects, our loans can be granted with a tenor of up to 5 years.
5What loan sizes are adequate for Lendity Growth?
Companies using Lendity Growth should get a facility that can be paid back with the generated growth, that is why having healthy margins is important. The normal loan size is a 3x to 6x multiple of monthly revenues, although it can increase in cases of very high-margin companies.
6For what company stage is Lendity Growth ideal?
We encourage companies to apply after they found product-market fit and its client base is diversified.
7Is there a minimum revenue level to apply for Lendity Growth?
Lendity Growth starts to make sense when monthly recurring revenues are at least CHF 30'000.
8How should the loan proceeds be used?
Lendity Growth is a financing tool to help companies continue growing on their terms. Therefore, the loan proceeds should be used for growth-related activities, including client acquisition and fulfillment, business development, marketing, inventory, geographic expansion, or any other growth-focused initiative.
9Do I need to provide a personal guarantee?
No. We don’t require external guarantees as the loan is done to the company itself, which will need to provide a first security interest over its assets.
10How fast can you fund a transaction?
We have seen founders and management spend a lot of time raising funds and we believe this time could be better spent building products and acquiring customers. Once we receive the complete application, we aim to close and fund the transaction in less than 4 weeks.
