In the high-stakes world of SaaS, it’s no secret that cash is king. While SaaS startups often operate on recurring revenue models, there’s a catch—customers usually pay over time. Yet the costs to acquire those customers hit upfront. The result? A cash-flow crunch that stalls growth just when momentum matters most.
This episode of the Stride 2 Freedom podcast introduces a game-changing solution—Capchase—offering founders non-dilutive, upfront access to revenue they’ve already secured. With insight from Przemek Gotfryd, co-founder of Capchase, we explore how SaaS businesses can fund their growth without sacrificing equity or exhausting runway.
Why Capchase? A Simple Metaphor, A Big Idea
Przemek uses a straightforward lemonade stand example to illustrate the concept: suppose you earn $100/month for 12 months. Instead of waiting for that income to trickle in, Capchase offers most of it upfront—say, $1,100 now—and you pay them back as revenue comes in. As Przemek puts it, “you’re just going to pay me back as you make that money every month.”
Key Advantages
- Non-dilutive financing: No venture funds means founders retain full ownership.
- Fast access to liquidity: Unlike venture debt, Capchase works quickly and with minimal documentation.
- Optimized for SaaS: Their model leverages predictable, recurring contract revenue.
The Core Problem: Time Lags vs. Cash Needs
Growing SaaS companies face a classic tension: invest in sales and marketing now, but await customer payments later. The cost to acquire customers (CAC) lands immediately, while the customer revenue gets spread across months—or even annually. This mismatch can throttle growth before it takes off.
Capchase’s model intervenes by fronting that future cash, empowering founders to reinvest quickly and efficiently without waiting.
How It Works: Smart, Data-Driven Financing
Capchase’s system connects directly with a company’s bank, accounting, and subscription platforms (like Chargebee or Stripe). Drawing on these inputs, they:
- Assess risk rapidly: Within hours, Capchase evaluates cash balances, burn rate, retention, and CAC to gauge viability.
- Deliver funding swiftly: Advancing money based on future contract revenue.
- Provide real-time analytics: Founders gain visibility into cash flow and runway, with tools being built to forecast growth impacts before spending.
Benefits at a Glance
- Extended runway: Access to future cash today adds months of operational breathing room.
- Faster reinvestment: Turn CAC into new customers more quickly.
- Clear insights: Track the “real” runway—including encumbered funds tied to repayment obligations.
Why This Matters for SaaS Founders
Not every SaaS business aims to be the next unicorn. Many are healthy, sustainable, and profitable—but not venture-scale. Yet traditional capital markets often overlook them. Capchase bridges that gap, providing a tailored financing tool that supports:
- Bootstrapped businesses looking to avoid dilution and retain equity.
- SaaS models with strong retention and predictable revenue.
- Founders seeking flexibility—to fund growth on their terms without VC pressure.
Looking Ahead: Capchase’s Vision for Founders
Capchase isn’t just a capital provider—they’re building a full suite of analytics to help founders plan strategically, from runway length to ideal timing for raising capital. Przemek highlights this forward-looking approach:
“We just want to put [capital] at their fingertips.”
With tools such as a runway calculator available today, founders can visualize how much cash they’ve already earned—and how much can be accessed now to drive growth.
Empower Your SaaS Journey
Financing growth doesn’t need to be all-or-nothing. Capchase offers a smart alternative—access future revenue today, avoid equity dilution, and keep your focus where it belongs: building your business.
If you’re a SaaS founder looking to unlock liquidity without giving up control, it’s worth exploring Capchase’s approach. And if you’d like a partner to guide your financial strategy as your business scales, Stride Services is here to help—schedule a free consultation to get started.
Who should I interview next? Please let me know.
In this Freedom Speaker Series episode with Przemek Gotfryd, you will learn:
- How to finance your business without taking dilution
- Why great SaaS companies don’t have to be venture funded
- Ways that you can strengthen your B2B contracts so they can get financed
We are fortunate to have Przemek available to spend time with us on this edition of Stride 2 Freedom. If there is a speaker you’d like us to interview, let us know. Stay well. Stay safe. Stay healthy.
Show Notes and Links From Episode:
Przemek Gotfryd LinkedIn
Capchase
Episode Transcript:
Podcast: Unique Financing For Your B2B SaaS Company with Przemek Gotfryd
