Why our Revenue-Based Financing approach is unique
Capital Mills was the first who pioneered Revenue-Based Financing (RBF) in the Benelux, in 2019. Since then, RBF has seen a rapid rise in popularity the tech-ecosystem. For good reasons: RBF offers a number of major advantages over venture capital. RBF is a loan provided as growth capital, with limited collateral and no personal guarantees. The loan is repaid by a fixed percentage of the company’s monthly revenue. In the meantime, Capital Mills has been able to optimize our unique and tailored approach.
Very long repayment rate
We provide loans that can add up to approximately six times the company’s monthly recurring revenue (MRR). This means that you will be able to receive a very sizable investment, relative to the revenue of your company. At Capital Mills, we provide you with a long repayment period (60 months). This allows you to pay back the loan with a low monthly repayment rate, of between 5% and 10%. Our goal is to give you the opportunity to use this financing to really make a growth investment, instead of paying back huge sums of your cash flow right from the start.
How you can get started with our RBF
The first step is to get in touch with us. If we feel we can work together, we schedule an orientation meeting. After signing a mutual NDA, we like to receive further information about your company and its plans for growth. Once we have received the documents, we will develop an initial analysis into a specific proposal within two weeks, unless RBF is not an option for whatever reason. This means the initial stage of the process can be completed in virtually no time at all. If you accept our proposal, we will conduct a brief due diligence investigation and start preparing the draft proposals. The entire process – from introduction to money on your bank – can be completed within just 4 to 6 weeks.
We act as a partner in your growth journey
While we will not be a shareholder in your business (and your reporting requirements will be relatively limited), we support you with the knowhow and experience of our investment team. We provide advice on the basis of the lessons we learnt after investing in tech companies for more than 10 yeas. Furthermore, on request, we can give you access to the network and expertise of the 60+ individual investors from our network. Our goal is to act like partners on your growth journey – not as account managers.