Working capital without giving up equity.
You have enterprise clients, real revenue, and collectible receivables — and yet banks still won’t lend to you. New Avenue Capital was built to fix that. Get the working capital you need, without selling another share.
Apply for fundingBuilt for revenue-generating Southeast Asian tech startups that the banks keep turning away.
You’ve done the hard part. You’ve built a product, signed enterprise clients, and generated real revenue. Your receivables come from established, creditworthy customers. The fundamentals are there. Traditional bank credit is still out of reach.
- You have revenues and enterprise clients with outstanding receivables
- You operate in B2B SaaS, B2C SaaS, B2C sales, or marketplace/platform
- You have completed proof-of-concept and are beyond the idea stage
- You have raised seed capital or later-stage funding
- You have been unable to access traditional bank credit despite having real, collectable assets
From application to funded: here's the process.
We underwrite your enterprise receivables, not your credit history. The process is straightforward: you tell us about your business and your clients, we assess the receivables, and we move to funding. No lengthy bank relationship required. No equity committee. Just capital against assets you already own.
Submit a short inquiry with your company details, revenue figures, and enterprise client names.
We review your receivables: client names, contract values, and payment terms to verify strength.
If qualified, we issue a term sheet outlining your customized loan size, rates, and repayment terms.
Capital is disbursed. Deploy the non-dilutive credit immediately for hiring, runway, or growth.
Repay over 1–36 months. Choose to prepay early or roll over as your enterprise clients clear invoices.
Frequently Asked Questions
No. This is debt, not equity. You keep full ownership of your company. Warrants are attached to the loan and sized to each facility’s terms, but the primary structure is a loan you repay. You grow without diluting your cap table. We walk through the specifics when we issue your term sheet.
Working capital, hiring, sales and marketing, and expansion: the things that help you serve more clients and grow revenue. The facility is not designed for fixed asset purchases or equipment financing.
Receivables from creditworthy customers. If you have outstanding or incoming payments from established businesses, enterprises, institutions, or other reliable payers, those receivables are what we lend against — whatever the source. The stronger and more dependable the payer, the stronger your application.
No. You need to be revenue-generating and past proof-of-concept, meaning you have paying clients and a working product. Profitability is not a requirement. If you have enterprise receivables and a clear path to using capital productively, we want to hear from you.
B2B SaaS, B2C SaaS, B2C sales platforms, and marketplace or platform businesses. The common thread is that your business model generates enterprise receivables. If you're unsure whether your company qualifies, apply anyway. We'll tell you.
Our facilities generally range from about US$5,000 to US$500,000 per revolving credit line. We keep the floor low deliberately — not every growth need requires a large facility, and we’d rather fund you at the right size than turn you away because the amount is small.
Prepayment is an option. The structure also allows for rollover if you need to extend. We build the repayment terms to work with your cash flow, not against it.
Faster than a bank. Once we've reviewed your application and receivables and agreed on terms, we move to funding without the delays that come with traditional credit review processes. We'll give you a clear timeline when we issue your term sheet.
Tell us about your business. We'll take it from there.
Submit an inquiry below and our team will review your details. If your receivables and business profile are a fit, we’ll reach out to schedule a call and walk through next steps. We aim to move faster than a bank, and to speak your language from the first conversation.
Or email us: borrow@newavenuecapital.com