INDUSTRY SOLUTIONS
Funding Built for Technology & IT Companies
Software and SaaS companies, IT services and managed service providers, dev shops, and cybersecurity firms grow fast, and growth burns cash long before revenue catches up. We provide fast, flexible funding designed for technology businesses: hiring, hardware and cloud infrastructure, product development, and the working capital to scale between client payments.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Hiring, hardware, cloud & more
THE CHALLENGE
Why Technology & IT Businesses Need Capital That Moves Fast
Tech moves faster than traditional financing. You land a major contract and need to hire engineers and stand up infrastructure now, but the client pays Net 60. You're scaling recurring revenue, but customer acquisition and cloud costs run ahead of collections. Growth in technology is a cash-flow problem as much as a product one.
Traditional banks struggle to underwrite tech businesses. They want hard assets and long track records, not recurring revenue, intellectual property, and contracts. So profitable, fast-growing software and IT companies get turned away, or wait weeks for a decision while the opportunity passes.
At Monera Capital, we've funded technology businesses across the board, SaaS and software companies, managed service providers, web and app development agencies, IT consultancies, and cybersecurity firms. Recurring revenue and project-based billing are the models we expect to see, and we fund accordingly.
How Technology & IT Businesses Use Our Funding
Hiring & Technical Talent
Recruit developers, engineers, and support staff, and cover payroll while you ramp a new team or deliver on a big contract.
Hardware & Infrastructure
Purchase servers, workstations, networking gear, and lab or test equipment to support clients and scale your operation.
Software, Cloud & Licensing
Cover cloud infrastructure bills, software licenses, developer tools, and the SaaS subscriptions your team runs on.
R&D & Product Development
Fund product builds, new features, and MVP development to get to market before revenue catches up with your roadmap.
Marketing & Customer Acquisition
Invest in paid acquisition, content, and sales hires to grow recurring revenue and drive predictable pipeline.
Bridging Client Contracts
Cover the gap on Net 30/60 enterprise contracts and project-based billing so slow-paying clients never stall your cash flow.
Funding Solutions for Technology & IT Businesses
We offer multiple products so we can match you with the right funding for your situation.
Working Capital Loans
Cover payroll, cloud bills, and operating costs between billing cycles and through the gaps in project-based revenue.
Learn MoreBusiness Line of Credit
Revolving capital you can draw on as projects and recurring costs arise, ideal for variable, project-based tech spend.
Learn MoreEquipment Financing
Finance servers, hardware, and IT infrastructure with terms up to 60 months. The equipment serves as collateral.
Learn MoreRevenue-Based Financing
Repayment that flexes with your revenue, a natural fit for SaaS and subscription models. Strong month, pay a bit more. Slower month, payments adjust down.
Learn MoreWhy Technology & IT Companies Choose Us
We've worked with technology businesses of every stage, from bootstrapped startups and dev agencies to established managed service providers and software firms. Recurring revenue, project-based cash flow, and the speed at which tech companies need to move to win all shape how we fund.
Apply Now- We understand recurring revenue and project-based billing
- Approval in 4–8 hours, no waiting for banks
- Capital for hiring, hardware, and cloud costs
- Equipment financing with terms up to 60 months
- Dedicated advisor who knows the technology sector
- All credit profiles considered
Simple Requirements to Get Started
If your technology or IT business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Technology Funding FAQs
What can technology and IT businesses use funding for?
Tech and IT businesses use funding for hiring and technical talent, hardware and infrastructure, software, cloud and licensing, R&D and product development, marketing and customer acquisition, and bridging client contracts. Amounts run from $10,000 to $500,000.
How does funding work with recurring revenue and Net 30 to 60 client contracts?
Recurring revenue is predictable but slow to arrive, and enterprise contracts often pay on Net 30 or 60 while payroll and cloud bills are due now. Working capital bridges that gap, and a line of credit gives flexible capital to draw on as projects and recurring costs come up.
Can technology and IT businesses qualify for funding?
Most technology and IT businesses qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can technology and IT businesses get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can technology and IT businesses get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can technology and IT businesses get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for technology and IT businesses?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
