Flow Capital - Founder-Friendly Growth Capital

Grow with Flow Capital

Founder-friendly growth capital that empowers entrepreneurs to scale their company with confidence.
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More flexible than bank debt.
Less expensive than venture capital.

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Fuelling growth through innovative financing solutions

Founder-focused, flexible solutions

Our solutions are tailored for high-growth companies across diverse industries. With deep understanding of both growth and founders, you can count on our expertise and experience to support your continued success.

Fast, transparent, and minimally intrusive

We provide the capital you need without getting in your way. No surprises or hidden terms — just a knowledgeable funding partner invested in your success.

Why successful founders choose Flow Capital

Scale faster

Reach milestones faster, leading to earlier liquidity events like IPOs or M&As.

Diversify capital

Reduce risks and strengthen your growth by diversifying funding.

Extend runaway

Extend time between equity rounds to hit goals and increase valuation.

Reduce dilution

Retain equity and control while accessing the capital needed to grow.

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Hear from some of our founders

“Flow Capital has been phenomenal for our business, helping us achieve the growth objectives we laid out."

"Beyond access to capital, the Flow team has been our go-to source for advice, connections, and feedback."

"A trusted, long-term partner that was instrumental in accelerating our growth trajectory."

"Quick funding that helped we expand our affordable housing marketplace into new regions."

"Flow Capital's flexible funding helped us grow beyond what previous lenders could offer."

"Strong partner through multiple rounds of venture debt and a restructuring."

"There’s a lot of people who say, ‘We’re more than money.’ These guys actually are more than money."

"Tattle generated value quickly, thanks to Flow's network of prospective clients and strategic advisors."

"Timing was key for us. Flow was able to deliver when we needed them as a true partners committed to success."

"During COVID-19, Flow Capital helped Pyure seize the surging demand for clean air solutions."

"Flow Capital helped us expand beyond Canada with their multi-tranches venture debt!"

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Frequently asked questions

How does Flow’s growth venture debt work?

Flow provides capital to growth-stage companies with minimal dilution and minimal intrusion into your business. It is typically structured as a senior secured loan with small tranche of warrants, offering a flexible and founder-friendly financing option. Learn more in our Founder's Guide to Venture Debt.

Will my company qualify for funding?

Except for certain excluded sectors, we encourage all types of companies to apply! Flow Capital invests in companies with strong management teams that have at least $3M in revenue, strong proven growth, and capital-efficient business models.

Are there any hidden or ongoing fees?

We provide you with a detailed term sheet up front with all of the details so there are no hidden fees. Initial legal and closing fees are clearly outlined and agreed upon in advance. Flow Capital takes pride in knowing that these fees are significantly lower than traditional alternatives, ensuring value creation through transparent terms.

Does Flow accept non-VC-backed companies?

Yes. While most venture debt investors require companies to be VC-backed, we welcome and encourage both non-VC and VC-backed companies to apply for our growth financing solutions.

How long does the funding process take?

We can close in as little as 6 weeks. It is really a function of how ready and responsive you are.

Are personal guarantees required from my company?

No, we have designed our process to focus on the strength of the business rather than personal assurances.

Does my company need to be profitable?

Companies do not need to be profitable or cashflow positive. Many companies will work with Flow to get to sustainably cashflow positive.

What does “minimally dilutive” mean?

Our structure includes minimally dilutive equity participation for Flow Capital in the form of either warrants or a success fee. Our typical equity participation works out to 1-3% of the fully diluted value of the company. Companies benefit by providing equity participation to Flow as we take a longer view on value creation.

What are warrants?

Warrants are the right but not the obligation to purchase equity in a company at a predetermined price.

Do I need to have a SaaS or recurring revenue model?

Flow can work with companies that have a wide variety of recurring or non-recurring revenue models.

Does Flow Capital require board seats?

No, Flow Capital does not require board seats.

What materials are needed for the funding process?

Our most prepared companies have an investor presentation, 24 months of historical financial information including a profit & loss statement, balance sheet and cash flow statement, 24-36 months of forecasted financial statements, detailed customer revenue data, sales pipeline, key metrics such as retention and LTV:CAC as well as details such as capital history including any equity or debt raised historically.

Are there companies or sectors that Flow won't fund?

We focus primarily on B2B SaaS and other tech companies, but other than real estate and resource extraction, we are open to most industries. Our financing is particularly effective for asset-light companies.

Grow with Flow Capital

Explore our funding options and apply for capital today

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