Business finance for software businesses

Funding options for software businesses.

Software Businesses can face the cash-flow and asset decisions common in technology & it, but the detail depends on how the business actually operates. Start with the funding purpose and the timing of receipts and expenses.

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How cash moves

A growing team may be paid monthly while enterprise customers pay on longer terms. For a subscription business, churn and deferred revenue can matter as much as bookings.

A practical situation

An IT services firm wins a multi-site rollout and hires technicians before the first milestone invoice is paid.

Illustrative only; no lender acceptance or credit approval is implied.

Common funding needs

Project mobilisation
Hiring and payroll
Equipment and systems
Acquisition
Working capital

Questions to prepare

Is revenue contracted, recurring or project based?
How concentrated is the customer base?
What tangible security is available?

Relevant structures

Finance types to understand

These structures may address the needs above. The lender will assess the business, purpose, security and its own published or unpublished industry policy.

Working Capital FinanceLines of credit, revolving facilities and overdrafts to smooth day-to-day cash flow.Explore Invoice FinanceUnlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days.Explore Equipment & Asset FinanceMachinery, tools, technology and business assets funded against the asset itself.Explore Business Acquisition FinanceBuy an existing business, franchise or a partner's share.Explore

Compare published product details.

Use the marketplace to compare amounts, purposes, security and documentation. Industry selection alone does not establish eligibility.

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