Smart Growth Capital

RCP partners with SaaS founders to efficiently capitalize growth opportunities
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We Help Companies
Preserve Equity Stakes 

Recurring Capital Partners, based in Austin, TX, provides straight-forward growth debt financing solutions to help software founders invest in growth opportunities without the dilution or onerous governance of raising equity. The RCP team, advisors, and investors couple operational experience with investing expertise to optimize the outcomes for our portfolio companies. Our founders and management teams care about accelerating growth, maintaining optionality, and maximizing personal equity stakes.


Why Debt?

Lower cost of capital vs equity

The cost of equity can be more than twice the cost of RCP debt.

 

Maintain maximum optionality

Debt doesn't hinder ability to raise equity, recapitalize, or sell the company on your timeline

BET ON
YOURSELF

 Using debt ensures enterprise value growth accrues to current owners.

Avoid burdensome governance

Debt does not come with board seats or onerous governance oversight.

Strike Zone

B2B SaaS
$4-30 million ARR
Strong retention rates
High gross margins
No significant customer concentration
Material management ownership stake
U.S., Canada,
or UK
PRUDENT
CASH BURN

"As Ozmo's market traction increased, we knew we needed to find a capital partner to fund our next stage of growth. Recurring Capital stood out because of the flexibility of their lending model, which perfectly aligned with our plans for expansion."  

david catalano
CEO, ozmo

“Our leadership team did a fair amount of due diligence before bringing on Recurring Capital. We were looking for a well known partner in the space that brought experience and credibility. We found both with RCP. The team had great communication and set clear expectations throughout the process.”


Wauker Matthews
COO, LEAP

"We wanted someone who would be a force multiplier to help us scale. We found that with Recurring Capital Partners. Specifically, RCP has opened their network to introduce us to prospective customers. They have also been instrumental in helping us build financial and operational infrastructure to better position Rep Data long-term."


Pat Stokes
Founder & CEO, REP DATA

"We had no shortage of financing options and chose Recurring Capital Partners due to their software expertise and knowledge of the CPG industry. Bradley and Celisse could not have been better partners throughout the process and we're thrilled to partner with them and the entire Recurring Capital team."


Nick Dozier
CEO, ENGINE
Professionals having a Meeting


Why RCP?

  • More than capital: Our team, advisors, and investors have significant operating and equity investing experience.
  • We evaluate your business, not your cap table: There’s no requirement for institutional equity investors.
  • Fast, efficient due diligence process: RCP has deployed $300 million across 60 B2B SaaS companies.
  • Flexible term loans tailored to your business: You only take the amount of capital you need.
  • No personal guarantees: We underwrite your business, not your personal balance sheet.
  • Growth as your company scales: RCP invests $1-20 million with a consistent track record of follow-on investments.
  • Collaborative Partners: RCP will provide subordinate debt to complement existing bank lines of credit.

Ready to Get Started on Your Journey?

Let's Talk