IT & Technology Financing – Scale Without Giving Up Equity
In the tech world, timing is everything. Once you've found product-market fit, you need to accelerate now — not next month. Traditional banks focus on historical financials, but a growth company's value lies in the future. Protect your shares, fund your growth. Too many startups sell equity too early just to finance marketing. Trusty finds a better path: non-dilutive financing based on your business metrics, not collateral.
The Growth Company's Valley of Death — and How to Cross It
1. Product Development & Burn Rate
Code costs money. You're building a new platform or deep tech product, and cash is burning before a single euro of revenue comes in. You need financing that gives you the runway to ship your product.
2. The Scaling Threshold
The product works, customers want it. Now you need to hire salespeople and engineers immediately. Cash flow won't turn positive for six months, but salaries are due today.
3. Ownership Dilution
Investor money is the most expensive money there is. If you raise venture capital just for working capital (e.g., ad spend), you're giving away too large a slice of your company.
Trusty's Toolkit for Modern Growth Companies
1. Recurring Revenue Financing (MRR Financing)
Do you have a SaaS business or subscription-based customers?
- Solution: Convert your future contract-based recurring revenue into capital you can deploy immediately.
- Benefit: Access up to a year's revenue upfront without selling a single share. Works like factoring, but without individual invoices.
2. Revenue-Based Financing
Flexible growth financing for e-commerce and digital services.
- Solution: Receive a lump sum for marketing or inventory. Repay it as a small percentage (e.g., 5–10%) of your future revenue.
- Benefit: Perfectly flexible — when sales are slow, repayments shrink. When sales surge, the loan pays off faster.
3. R&D & Bridge Financing
For deep tech and companies with long development cycles.
- Solution: Financing instruments designed to work alongside public grants and investment subsidies.
- Benefit: Extended repayment periods and grace periods that give your product development time to succeed.
AI That Speaks Tech
A traditional bank manager may not understand SaaS economics, but Trusty does.