Business profile
Tell us about your company type to personalize the questions below
Software companies typically don't need asset-backed financing. Hardware companies unlock equipment leasing, sale-leaseback, and asset-backed loans
If buying physical assets (machinery, equipment, facilities) is core to your business model, this unlocks specialized asset financing options
Pre-revenue companies lean toward equity and grants. Revenue-generating companies can access debt and revenue-based financing
Having raised venture capital before unlocks venture debt — lenders require VC backing as a prerequisite
Equipment purchases match to leasing; R&D matches to grants and tax credits; working capital matches to factoring and RBF
Financial metrics
Key numbers that determine your financing eligibility
The total amount you're looking to raise in this round. Larger amounts ($10m+) open project finance and infrastructure fund options
Your annual revenue run rate. $1m+ unlocks RBF; $5m+ unlocks mezzanine; pre-revenue steers toward equity
Revenue minus cost of goods sold, as a percentage. 30%+ gross margin is typically required for revenue-based financing
Operating profit as % of revenue. Positive EBITDA (5%+) unlocks mezzanine debt and signals you should consider debt over equity
Cash generated after all operating expenses and capital expenditures. Positive FCF makes debt options more attractive
How much cash you burn to generate $1 of new ARR. Under 2x is efficient; above 4x raises red flags for lenders
Months of operation remaining at current burn rate. Short runway (<6 months) limits options to fast-closing instruments
Year-over-year revenue growth. 50%+ growth boosts VC fit; slower growth (<30%) steers toward debt options
Asset characteristics
Details about physical assets you're financing
The type of physical asset you're financing. Different assets have different financing options and residual values
Total capital expenditure required for the asset. Larger assets ($10m+) unlock project finance and infrastructure funds
Physical equipment or property that can secure a loan. Having collateral unlocks asset-backed lending and sale-leaseback
How many years the asset will generate value. Longer useful life makes leasing and project finance more attractive
Months until the asset generates enough revenue to cover its cost. Shorter payback improves financing terms
Whether you need to own the asset outright or can lease it. Leasing preserves capital but may cost more long-term
Months from purchase to revenue generation. Longer build times require patient capital like project finance
Working capital
Cash flow timing and inventory details
Value of signed customer orders you can finance against. Required for PO financing and customer prepayment options
Days sales outstanding — how long customers take to pay. High DSO (60+ days) makes factoring more valuable
Days payable outstanding — how long you take to pay suppliers. Longer DPO reduces working capital needs
Days inventory outstanding — how long inventory sits before sale. High DIO (60+ days) may unlock inventory financing
Business nature
Industry and customer characteristics
Your core industry. Some sectors (energy, manufacturing) have specialized financing; others (robotics) attract specific investor types
Technology readiness level: 1-3 = R&D phase (grants, equity); 4-6 = prototype (VC, grants); 7-9 = commercial (debt unlocks)
B2B customers enable factoring and PO financing; B2C may enable crowdfunding but limits some debt options
Revenue concentration in top 5 customers. High concentration (>50%) can be good (creditworthy buyers) or risky (dependency)
Contracted revenue (subscriptions, long-term deals) unlocks more financing options than one-time transactional sales
Regional factors
Geography affects available financing programs
Your primary country of operations. EU countries typically have better grant/guarantee programs; US has faster processes
Access to government-backed programs. High = strong grant/guarantee ecosystem (Germany, France); Low = limited public support
Percentage of revenue or costs in foreign currencies. High exposure may require hedging and affects lender risk assessment
Depth of local capital markets and financing ecosystem. Developed markets have more options; emerging markets are more limited
Your preferences
What matters most to you in financing
How much equity you're willing to give up. Low tolerance boosts non-dilutive options like RBF, leasing, and grants
Logic and assumptions
The outputs here are based on an internally developed logic with a number of underlying .
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