Timia Capital Amortized Loans

Overview of the Timia Capital Amortized Loans program:

An amortized loan from TIMIA is designed for technology businesses with recurring revenue. These loans are non-dilutive, meaning they don't require giving up equity. They feature a unique structure where principal payments start low and increase annually. This setup allows businesses to use their capital more effectively in the early years, supporting growth and stability. This loan option can be particularly beneficial for companies looking to maintain ownership while securing the necessary funds for expansion and development.

Benefits of the Timia Capital Amortized Loans program:

• Debt capital offers several benefits:
• Retain Ownership and Control: No equity, board seats, or personal guarantees required.
• Flexible Repayment Plans: Fixed payments increase as ARR grows, allowing for manageable early repayments.
• Freedom to Use Capital: Spend the growth capital as needed without restrictions.
• Quick Access to Funds: A tech-enabled lending process speeds up the application, providing access to capital within weeks.

Eligibility criteria of the Timia Capital Amortized Loans program:

• Eligible Companies for TIMIAs Amortized Loans:
• Annual Recurring Revenue (ARR): $2M - $20M
• Type: Recurring revenue technology businesses
• Location: Based in U.S. or Canada
• Product-Market Fit: Proven with 10+ clients
• Financials: Delivering gross margins greater than 50%
• Each loan is customized based on the company's specific metrics and characteristics.