Pay on your terms
Capchase provides flexible and extended financing on vendor contracts so you can access the tech you need now while
managing your cash flow more effectively.
No phone calls. No emails. No paperwork.
Access tech products from
companies like:
"Buy now, pay later"
for business
Break up large expenses into monthly, quarterly, or annual payments. We’ll pay your annual subscription or full contract value, and you'll pay us back in installments for a fee.
Our 3-step financing process
01
Have your sales rep check whether you qualify. Explain your ideal loan terms.
02
Review and approve financing quotes via your custom link.
03
Sign your Capchase loan agreement and upload your invoices to the Buyer Portal.
Lend from us directly under flexible terms and market-comparable rates.
Conserve cash on hand while financing purchases of up to $500K.
Finance mission-critical tech purchases up to $500K.
Many legacy providers only offer financing for deals above $1M. We understand that five- and six-figure deals often need financing too.
Calculate costs based on loan terms
Use our pricing calculator tool to understand how much you'll be paying each week, month, and year, and the total cost of your purchase.
Fast-track
underwriting & proposals
Know within minutes whether you qualify for financing and under what terms.
Skip manual data entry, credit checks, and multi-day underwriting.
Traditional lenders requirement manual paperwork, operate by email and phone, and take days to approve what our AI agents approve in 30 seconds.
Generate and compare multiple offers in seconds
Your vendor's sales rep can quickly and easily generate multiple financing offers with various terms, so you can optimize your payments to fit your business priorities.
A single source of truth for invoices, loans, and payments.
Review your purchases, invoices, loan agreement, payment schedules, and contracts from a centralized location.
Capchase makes paying for software easier, complete your secure payment link in 3 steps.
Automate installment payments via ACH or major credit cards.
Set up autopay, manage your payment method and schedule, and make adjustments as needed.
Frequently Asked Questions
Capchase has been an industry leader in the tech financing and payments space since 2020. We’re backed by world-class investors and banking institutions. Capchase has been an industry leader in the SaaS financing and payments space since 2020. We’re backed by world-class investors and banking institutions.
Yes. Capchase runs on secure payment networks and rails that are standard across the industry, including ACH, SEPA, BACS and more. Capchase complies with all B2B payment regulations and requirements to ensure payment data is transferred securely. Capchase works with key banking and payments partners to power our payments including JPMorganChase, GoCardless and Stripe.
You can make payments via ACH direct debits in the U.S., BACS direct debits in the U.K., SEPA direct debits in Eurozone/EEA, Autogiro direct debits in Sweden, PAD in Canada, or in some cases via credit card. Direct debit transactions are subject to bank processing times and working hours.
It is a contract between your company and Capchase. It details how Capchase will pay for your tech purchases upfront and how you repay Capchase over time. The agreement also covers data use, payment details, and the consequences of missed payments.
No. Capchase does not require any upfront capital from buyers, but you are responsible for making payments in a timely manner. If a payment fails, Capchase may work with you or the vendor to resolve the payment issue.
Yes. By using Capchase to finance your purchase, you are taking out a loan from Capchase. If you want to repay the balance of the loan at any time to lessen your debt position, you are able to do so at no additional cost.
Yes. In the Buyer Pay Portal, you can submit additional annual software invoices that you'd like to spread out the payments for. Just click the "Financing" tab once in the Portal and follow the steps.
Need to reach our support team? Contact support.pay@capchase.com
