Best Recurring Revenue Finance Software

Brex

Brex is a unified spend platform that makes it easy to control every type of spend. Control your spend worldwide with corporate cards, expense management, reimbursements, travel, bill pay, and business accounts — all in one unified system. 95% of customers say switching to Brex is easy. And tens of thousands of companies including Indeed, SeatGeek, DoorDash and thousands more choose Brex for customizable workflows that can handle complex and diverse types of spend and enable the highest levels of compliance with the least amount of friction for employees. This saves time and money through better, proactive controls.

Average Rating: 4.8/5.0

Total Reviews: 1,617

Ratio

Ratio is the Closing Motion Platform for B2B technology scale-ups. Most scale-ups treat close as a signature, then wait on cash through fragmented handoffs. Proposals sit with sales, payment terms bounce to finance, billing is configured somewhere else, and collections happen in yet another system. Every handoff adds delay, error, and revenue leakage. It gets worse when you bill monthly. You can win the deal and still collect the value over months. Ratio consolidates the fragmented close into one motion. Proposals. One link with terms, payment options, and checkout built in. The buyer picks how they want to pay, accepts, and moves forward. No separate documents, no chasing signatures, no toggling between tools to close the deal. BNPL. Offer buyers flexible payment terms at the moment of close. They pay over time, you collect total contract value upfront. No discounting to force annual prepayment, no monthly billing drag. Renewals. When the current contract expires, the next one starts automatically. Terms are re-evaluated, pricing is updated, and the same post-close flow runs again. No manual renewal work and no gaps in coverage. Collections. Follow-ups, disputes, and delinquency management stay connected to the original proposal terms, so there is no reconciliation across disconnected systems. Less AR workload and faster recovery. An AI orchestration layer runs the motion. Risk is priced in real time, approvals route automatically, and renewals trigger on schedule. Specialized agents handle deal desk pricing, buyer checkout, risk scoring, and collections follow-up, and each one learns from every deal funded on the platform. Ratio is headless, so it embeds inside your CRM and the tools your team already works in. What scale-ups see with Ratio: 60%+ revenue uplift. 20-30% higher win rates by removing budget friction from the sales process. Total contract value collected upfront while buyers pay monthly. Less discounting to force annual prepayment. Fewer tools to run the closing motion. Built for CROs who need to close without discounting, RevOps and deal desk teams who need one controlled flow, and CFOs who need predictable cash. Close is not a signature. Close is cash upfront.

Average Rating: 4.6/5.0

Total Reviews: 38

Capchase

Capchase Pay is a B2B payment and financing solution designed to improve the buying and selling of software and hardware by streamlining the payment process. This innovative platform allows customers to pay over time according to their preferences while enabling businesses to receive the total contract value (TCV) upfront for annual and multi-year agreements. By offloading the billing and collections process to Capchase, companies can focus on their core operations while increasing their cash flow. Targeted primarily at businesses engaged in software and hardware sales, Capchase Pay addresses the common challenges associated with payment processing and customer financing. It is particularly beneficial for companies looking to close more deals by offering flexible payment options that cater to their customers' financial needs. The solution is designed to simplify the buying experience, making it easier for customers to commit to larger purchases without the burden of immediate full payment. One of the standout features of Capchase Pay is its ability to provide immediate access to booked revenue. By receiving the total contract value upfront, businesses can improve their cash flow and reinvest in growth opportunities without delay. This feature is crucial for companies that rely on predictable revenue streams and need to maintain a healthy financial position. Additionally, the platform integrates seamlessly with existing systems such as CRM and accounting software, ensuring a smooth transition and minimal disruption to current workflows. Capchase Pay also offers a user-friendly setup process, allowing businesses to implement the solution in less than 24 hours without any obligations or minimum usage requirements. There are no one-time or integration fees, making it an accessible option for businesses of all sizes. Furthermore, the solution is available internationally across nine countries and currencies, expanding its reach and usability for global enterprises. By incorporating Capchase Pay into their payment processes, businesses can enhance customer satisfaction through flexible payment options while simultaneously improving their operational efficiency. The ability to streamline billing and collections not only saves time but also allows companies to focus on building relationships with their customers and driving sales growth.

Average Rating: 4.5/5.0

Total Reviews: 45

Velocity

Velocity provides revenue-based financing, up to Rs.3 crores, for marketing and inventory spending of online businesses. Our vision is to be the easiest and fastest way for new-age businesses to raise growth capital. Velocity strongly felt the need for a fast, flexible, and non-dilutive mode of financing.

Average Rating: 4.2/5.0

Total Reviews: 10

Silvr

Silvr simplifies financing through a unique model and advanced data analysis. With Silvr's Capital Line, small businesses get instant cash access and 12-month capital forecasts. Dedicated financing advisors empower business owners to finance their projects and improve their cash flow. To date, hundreds of European companies entrust Silvr, reinforcing their businesses and receiving over €150M in funds. Join us in building a stronger tomorrow for your business.

Average Rating: 5.0/5.0

Total Reviews: 5

Recur Club

Recur Club is a debt marketplace where companies can easily get a business loan guided by a dedicated capital expert.

Average Rating: 4.7/5.0

Total Reviews: 3

Reward

Reward helps SaaS companies maximize recurring revenue with in-app rewards that drive engagement, referrals, and reviews. Customize incentives to fit your user journey, boost conversions, and capture high-quality users. With seamless integration and support for major platforms like Stripe, Segment, and G2, Remention transforms your product into a growth engine, turning users into loyal advocates.

Average Rating: 5.0/5.0

Total Reviews: 3

vabble.io

vabble.io is an innovative B2B workflow automation platform that simplifies cross-border payments for businesses in emerging markets. Our platform provides embedded financing, including foreign exchange and hedging, enabling faster access to cash by monetizing receivables. We connect assets to trusted institutional investors from the US, EU, and UK, ensuring a secure and efficient process.

Average Rating: 3.8/5.0

Total Reviews: 2

re:cap

re:cap helps tech companies make better financial decisions and maximize their capital efficiency. They integrate financial analysis, forecast, and funding in one platform called the Capital OS. This ensures that financial operations and funding work as one. The Capital OS The Capital OS combines financial analysis, forecasting, and funding in one platform. It links company performance with planning and funding decisions, giving businesses a structured way to manage capital. Analysis With Analysis, companies bring all their financial data in real-time into one place. They see cash balances, runway, and growth at a glance, track transactions across accounts, and understand where money flows. Benchmarks, capital needs, and a rating system show how fundable a company is and what to improve. Forecast With Forecast, companies plan short-term liquidity and long-term capital needs in one place. Using cash flow, invoices, actuals, and budgets, they create weekly and monthly forecasts, test scenarios, and add funding events to see the impact. This shows them clearly when capital is needed, what is possible with the funds available, or what kind makes sense. Funding re:cap offers a non-dilutive credit line. Companies can tailor terms – including amount, duration, and repayment – to fit their business needs and goals. How companies use funding - Extend runway to reach profitability or postpone equity fundraising - Fund long-term growth - Fund large investments - Bridge short-term liquidity needs - Cover long payment targets Key terms of the funding - Ticket size: €50K to €5M - Amortization: 1 to 60 months - Control: 100% non-dilutive - Only pledge on receivables: no personal guarantees and no equity kickers Available in Germany, United Kingdom and Netherlands.

Average Rating: 5.0/5.0

Total Reviews: 1

Arc Advance

Arc converts startups’ future revenue into upfront capital, without debt or dilution. With Arc, you can onboard in seconds and get a decision in hours. It's as simple as entering your information, connecting your accounts, and receiving an offer for up to $50M. We provide upfront pricing and flexible repayment terms (up to 18months) so you know exactly what it'll cost without any complex calculations. Say goodbye to covenants, personal guarantees, full asset liens, and warrants. Say hello to the friendlier way to fund your growth—say hello to Arc.

ARR Dashboard

ARRGuide automatically calculates ARR bridges, gross revenue retention (GRR), and net revenue retention (NRR) from a CSV or Google Sheet upload. Built for SaaS finance and RevOps teams who need board-ready metrics without a Stripe integration or data engineering support. Upload your customer ARR data and get an instant ARR waterfall, TTM and monthly retention metrics, customer-level detail, and exports to Excel, PDF, and PowerPoint. Free 14-day trial, $99/month.

BridgeUp

Transform your company's recurring revenues into upfront capital, without dilution or restrictive debt. BridgeUp is a platform that brings together, entrepreneurs and business owners that want raise funds as well as investors looking at expanding their portfolio. With competitive interest rates and a yearly tenure for repayment, BridgeUp is ideal for companies with recurring revenues. Being Industry agnostic, companies with a high degree of predictability can utilize BridgeUp to raise funds. Here's a list of sectors we regularly service: Services SaaS Insurance EdTech OTT Media D2C Subscription BridgeUp also provides fixed and predictable returns for investors looking at expanding their portfolios with recurring revenues. By far the easiest method to raise funds. Companies can now raise capital as quickly as 72 hours. With 3 easy steps to get started, BridgeUp takes away the pains entrepreneurs would ideally face while dealing with banks and Venture Capitalists. Step 1: Integrate your companies data Step 2: Select customers you want to trade Step 3: Get the money in your bank Within these stages BridgeUp analyzes the predictability of your revenues and provides the highest capital possible with the lowest interest rates. Sign up on BridgeUp for free: Realize the potential of your recurring revenues! https://bridgeup.com/

CreditLinq Recurring Revenue Financing

Recurring Revenue Financing is a financing option which helps you extend your runway without diluting equity. Exclusively designed for businesses which have one or more ongoing revenue streams, this option empowers you to address your immediate spends like marketing & inventory, head-on. To get approved, you need to sync your banking system with our platform & repayment is as simple as sharing a percentage of future revenue for upcoming 6 to 12 months.

Efficient Capital Labs

Efficient Capital Labs provides growth capital for global AI & SaaS companies with zero equity dilution. We typically fund businesses with at least $500K ARR and 3+ months of runway. We champion a fast and flexible approach towards financing startups. Trusted by 250+ companies. $200M deployed. 80%+ founders came back for more. What makes our Non-Dilutive Financing Different? ✅ARR-based Non-dilutive funding Grow with up to $5M of financing, while preserving 100% of your ownership. Receive up to 60% of your annual revenue upfront in tranches, with no equity, warrants or dilution. ✅Borderless Funding Get recognized for your growth in all geographies, via our global underwriting. Get funded in USD, INR or SGD. ✅Rapid Funding Offers Time your cash to your opportunities. Receive an offer within 3 days, with an instant indicative offer if eligible.

Float

Welcome to Float - the go-to growth funding partner for recurring revenue businesses! 🚀 At Float, we believe in your growth and offer a founder-friendly funding solution tailored to your needs. Our innovative approach supports your business growth without requiring any personal or equity guarantees or dilution. Get a credit of up to 70% of ARR, take out loans as needed, customize each one, and pay interest only on the used credit. The credit limit expands alongside your business, ensuring uninterrupted access to funding. Unleash your business's full potential while maintaining absolute control. We'd love to hear from you and share more about how Float can support your growth. Reach out to us at hello@gofloat.io!