Capchase
Installment payment and buy now pay later (BNPL) software
Recurring revenue finance software
Payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is Capchase
Capchase is a financing platform focused on recurring-revenue businesses, providing non-dilutive capital and payment terms options tied to subscription cash flows. It is used primarily by B2B SaaS and other subscription companies to manage working capital, smooth cash flow, and fund growth initiatives. The product connects to billing, payment, and accounting systems to underwrite based on recurring revenue performance and to automate repayments from future receipts. It also offers customer payment terms capabilities that let vendors extend installment-style options while receiving funds upfront.
Purpose-built for SaaS cash flow
Capchase is designed around subscription metrics and recurring revenue patterns rather than one-time retail transactions. This makes it a closer fit for B2B SaaS finance teams that need working capital aligned to ARR/MRR and collections cycles. It supports use cases such as funding growth spend, bridging timing gaps in annual prepay vs. monthly billing, and managing runway without issuing equity.
Integrations for automated underwriting
The platform typically connects to systems used by subscription businesses (billing, payments, and accounting) to ingest revenue and collections data. These connections can reduce manual reporting during underwriting and ongoing monitoring compared with more generic payment tools. Automated data flows also support repayment mechanisms that track actual receipts over time.
Customer payment terms enablement
Capchase includes capabilities that let vendors offer longer payment terms or installment-like options to customers while receiving cash upfront. This can help sales teams accommodate procurement-driven payment schedules without the vendor carrying the full cash-flow burden. It positions the product beyond pure payments processing by combining financing with payment terms management.
Not a general-purpose payment stack
Capchase is not primarily a payments processor and may not replace a full-featured payment gateway, wallet, or direct debit network. Organizations often still need separate providers for card processing, local payment methods, dispute handling, and global acquiring. This can add vendor management and integration overhead for teams expecting an end-to-end payments platform.
Fit depends on revenue profile
Eligibility and pricing are tied to recurring revenue performance and data availability, which can limit suitability for early-stage companies or non-subscription business models. Companies with volatile churn, limited operating history, or fragmented billing data may face constraints. The product is therefore less universal than BNPL tools aimed at broad consumer checkout use cases.
Financing introduces ongoing obligations
Using revenue-based financing or receivables-linked products creates repayment commitments that affect future cash flows. Finance teams must model the impact on runway, covenants (if any), and flexibility during downturns. For some organizations, traditional credit facilities or internal cash management may be simpler depending on scale and cost of capital.
Plan & Pricing
Pricing model: Pay-as-you-go (financing fees structured as a Platform Fee + a Financing Fee).
How fees are presented (official):
- Platform Fee: varies between 1%–4% depending on financing terms; Capchase states the Platform Fee is "in most cases 3%." (charged separately and typically debited ~6 days after a draw).
- Financing Fee: variable (the remaining portion of the all-in cost after the Platform Fee). Total/all-in cost = Platform Fee + Financing Fee.
Example (official example from Capchase docs):
- All-in fee = 10% on a 12-month draw -> Platform Fee 2% + Financing Fee 8%.
- Example breakdown shown on Capchase docs (amount funded, platform fee debit date, installment schedule).
Product/offer notes (from official site):
- Capchase Grow (revenue-based financing): eligibility and terms are underwritten and financing amounts/fees are customized per company (Capchase provides eligibility guidance and examples rather than published flat subscription prices).
- Capchase Pay (vendor/invoice financing): used to split annual SaaS/vendor invoices into installments while Capchase pays vendors up front; eligibility for Capchase Pay invoice financing (buyer-side) is advertised on vendor pages and includes ARR minimums for buyers in many cases (see vendor-specific pages).
Eligibility & minimums (official):
- Capchase Grow (guidance in Capchase resources): basic eligibility examples list ~ $250,000–$1,000,000 ARR, 3+ months runway, and ≥6 months revenue history as typical entrance criteria.
- Capchase Pay (invoice financing for financed vendors' customers): several vendor pages note Capchase Pay invoice financing is available for businesses with annual recurring revenue above $15 million (and in listed countries) — eligibility varies by program and region.
- Capchase Docs note: deals or outstanding book value (OBV) above $250,000 typically require a buyer financial review (audited/CPA financials or tax filings).
How to get pricing:
- Capchase does not publish flat subscription prices on the public site; financing fees and terms are personalized and represented as percentage fees tied to each draw/offer. The site directs prospective customers to book a call / contact sales to get specific pricing for their company and financing needs.
Free tier / trial (official site evidence):
- No permanent free product tier or time-limited free trial is published on Capchase’s official pages; access to Capchase services requires application/underwriting and fees are charged per financing draw (Platform Fee + Financing Fee).
(Official sources used: Capchase help center docs and Capchase product/vendor pages.)
Seller details
Capchase Inc.
New York, NY, USA
2020
Private
https://www.capchase.com
https://x.com/capchase
https://www.linkedin.com/company/capchase/
