You deserve better ways of funding your growth

We offer non-dilutive growth capital for European SaaS companies and other subscription businesses. Get loans up to 70% of your ARR.

See what you can get Learn more

We keep your data secure

Connected data needed to assess your credit rating is safe and private with us. NDA option available.

Two-Factor Authentication

Servers in the EU

Your financial data is safely stored on servers in Sweden and Germany. Read our terms.

Made in Sweden

Member of Swedish Fintech Assoc. and registered with the Swedish Financial Supervisory Authority.

Achieve more with Float’s loans

Turn your future subscription revenues into capital today and use it to reach your next evaluation faster.

Boost your growth

Invest in marketing, hire talent or anything else you might need to increase your company's growth.

Build a Bridge

Close a temporary liquidity gap to help you get you to the other side.

Leverage equity

Mix debt with VC equity to remain capital-efficient

Extend your Runway

Is raising capital right now not the right time? Defer your next fundraising to achieve a higher valuation.

Create a Buffer

Ensure peace of mind with sufficient cash in the bank account.

Invest in profitability

Implement cost sasvings that require a cash-out

The most founder-friendly loans in Europe

Keep full ownership

Get funded without dilution or share pledges. We believe you deserve to have the majority of ownership and control in your company.

No personal guarantees

We see your recurring revenue as security for the loan. There is no need for personal guarantees or pledges from you or your board.

Fixed upfront interest

With our loans, you pay all interest at the start. No hidden fees or scary surprises. You know exactly how much it will cost from the beginning.

Try before you buy

Get a credit offer and try our loan configurator for free without any commitments or charges.

How does it work?

Get to know us at Float

We think that funding should be as convenient as a SaaS product. We call it Capital-as-a-Service.

We know traditional finance hasn’t kept up with innovation. The funding process for Small and Medium-sized SaaS companies is antiquated, hard to access, time-consuming and tedious.

That's why at Float, we pioneered a new product we like to call Capital-as-a-Service – providing subscription startups and SMEs with easy access to non–dilutive loans with total flexibility.

Learn more about us

Loans

520+

Clients

75+

Active since

2019

Active in

Get your answers

We are all about clarity, simplicity and transparency. So that you can focus on growing your business.

View our FAQ

Why do companies use Float?

Most of our SaaS clients want to extend their runway and minimize dilution from Venture Capital rounds. But some wish to bootstrap their growth journey and yet others bridge a temporary cash gap.

What kind of companies use Float?

What is needed to apply for funding?

It's simple: Connect your company's accounting software and bank account. It's all thanks to our secure BankID, two-factor authentication. We will then analyze your financials and make you a funding offer.

How long does it take to get funded?

What types of data does Float collect?

We collect Balance sheet and P&L from your accounting system. Your customer subscription data from your subscription software and anonymized bank account information through Klarna. Your data will only be used for assessing your credit rating and is protected by our strict non-disclosure policy.

What our clients say

“Float has a helpful team and loan products specialised for growth and tech companies. That’s why they stood out as a growth funding partner for us.”

Jaakko Männistö | Founder & CEO

“Float made onboarding a breeze, they truly understood our business needs. The process was straightforward and clear, 10/10 for a smooth and tailored experience!”

Nichlas Walsted | Co-Founder & CEO

“We have looked at over 20 different lenders in the market and Float is the only one where there was no catch. It was very transparent, with no hidden fees, guarantees, or equity pledges, with an easy digital onboarding experience, and a quick turnaround with their offer.”