Starting a small business is exciting but demanding. Capital is often needed for initial setup, inventory, or even working capital to bridge the early cash flow gaps.
We offer asset-based lending, term loans, and business cash advances to meet your needs. With our quick application and approval process, you can secure the funding you need without giving up equity.
You've passed the startup phase and have a revenue-generating business model. Now, you're looking to accelerate growth. Capital is often sought for hiring talent, marketing, and expansion.
Revenue-based financing and line of credit options through Cirrus are excellent choices for scaleups. These forms of capital are tied to your revenue, providing you with the financial flexibility to grow at your own pace.
At this stage, businesses often need funding for acquisitions, capital expenditures, or to enter new markets.
Venture debt and senior credit facilities are ideal for lower-middle market companies, giving you the large sums of capital needed for major investments, all without diluting ownership.
Whether you're facing the challenge of local competition or the opportunity of a booming market, the geography doesn't change the fact that you'll need capital to maneuver effectively.
We offer SBA Lending and real estate financing geared towards the specific regulatory and market conditions in the United States.
Despite significant backing, you may still require capital to meet operational costs, especially if your burn rate is high.
Venture debt is perfect for VC-backed companies. It's a great way to extend your runway and reach your next milestone, without giving up more equity or facing a down-round.
You've come this far on your own steam, but now you're facing growth opportunities that require quick access to capital.
Invoice and PO financing options from Cirrus are excellent for bootstrapped companies, offering you a way to leverage your unpaid invoices or purchase orders for immediate funding.
FAQ
While Cirrus facilitates a broad diversity of financing products to most industries and business stages, we're not a great fit for every company. We're focused on US-based businesses who wish to raise greater than $1M in non-dilutive capital.
We find the most success working with companies with greater than $3M in annual revenue and/or $3M in assets such as accounts receivable, inventory or equipment. We frequently work with loss-making (cash burning) companies, but they should have 4-6+ months of cash runway and line of sight into future profitability.
If we're successful in matching your company with the right investor(s) and you decide to move forward towards a consummated transaction, Cirrus earns a small percentage of capital committed to your company, generally between 1-3%. We charge our fee after a successful fundraise takes place and funds are transferred to your business account.
Additionally, as needed, our team can help you ensure your company is in the best position possible to successfully raise capital. Our talented team can advise on and directly create materials such as financial models and presentation decks. We can also be instrumental in financial reconciliation and other FP&A functions so that your business is well organized as you approach investor conversations. These services are offered on an optional, as-needed basis at an agreed upon rate, no surprises!
We take the security and privacy of your sensitive business information very seriously at Cirrus. During every step of our process, we're reliant on technology and third-party solutions that must adhere to strict security standards such as ISO 27001 compliance, SOC 2 compliance and AES 256-bit encryption.
You can review our privacy policy and terms & conditions at any time and reach out to hello@cirruscap.com with any questions.