Timia Capital- Interest Only

Overview of the Timia Capital- Interest Only program:

The Interest-Only Revenue-Based Financing Program is designed for SaaS and technology companies that are looking for growth capital without giving up equity or taking on traditional loans. The financing model is based on a revenue-sharing arrangement, where TIMIA Capital provides funding in exchange for a percentage of the company’s monthly revenues. However, unlike traditional revenue-based financing, this program requires only interest payments for the initial 12 months of the term, allowing businesses to reinvest more of their cash flow into growth during the crucial expansion phase. After the interest-only period, the company will make blended payments of principal and interest. The program is intended for companies that have consistent monthly revenues and are looking to scale without the pressure of immediate large repayments, allowing for greater financial flexibility and capital reinvestment into core business activities like marketing, sales, or product development.

Benefits of the Timia Capital- Interest Only program:

• Cash Flow Flexibility: Interest-only payments in the first year help companies retain more cash for operational use, making it easier to invest in growth opportunities.
• No Equity Dilution: The financing is structured as debt, meaning companies do not need to give up ownership or control, unlike with traditional venture capital.
• Adaptable to Revenue Growth: Payments are tied to monthly revenue, ensuring that companies repay in line with their ability to generate income.
• Quick Access to Capital: The program offers a faster application process and quicker access to funds compared to traditional bank loans or equity financing.

Eligibility criteria of the Timia Capital- Interest Only program:

• To qualify for TIMIA Capitals Interest-Only Revenue-Based Financing:
• The business should be a SaaS or technology company with predictable, recurring revenue.
• The company should have monthly recurring revenue (MRR) of at least $200,000.
• The business must demonstrate consistent revenue growth and a scalable business model.
• Companies should have strong gross margins and a clear path to profitability.
• Ideally, the company is at a stage where it is seeking to scale and expand rapidly but wants to avoid the drawbacks of equity dilution or restrictive debt terms.