Non-Dilutive Financing: Explore Your Capital Options with Hum
Not all growth capital requires giving up ownership
At Hum Capital, we help businesses access a diverse set of non-dilutive and founder-friendly financing solutions — tailored to your stage, strategy, and capital structure. Whether you’re preparing for scale, managing cash flow, or navigating a transitional moment, there’s likely a smart financing option to accelerate your business goals.
Here’s a quick overview of the types of funding available on Hum’s Marketplace— and how they compare.
Non-Dilutive Financing on Hum
- Revenue Based Financing (RBF): Flexible repayments tied to monthly revenue.
- Venture Debt: Short-to-mid-term loans for VC-backed companies.
- Cash Flow Lending: Performance-based loans underwritten using revenue and EBITDA.
- Asset-Backed Lending (ABL): Loans secured by tangible or financial assets.
- Specialty Financing: Custom capital structures for businesses with unique models.
- Bridge Loans: Short-term financing to cover gaps before a major funding event.
Side-by-Side Comparison
| Financing Type | Ideal For | Key Requirement | Repayment Structure | Typical Term | Dilution |
| Revenue Based Financing | SaaS, eCommerce, recurring revenue businesses | Consistent monthly revenue | % of monthly revenue | 12–36 months | No |
| Venture Debt | VC-backed growth companies | Institutional VC backing | Fixed or interest-only | 2–4 years | Minimal (warrants) |
| Cash Flow Lending | Profitable or near-profitable businesses | Positive EBITDA or strong margins | Fixed payments | 1–5 years | No |
| Asset-Backed Lending | Companies with hard assets or receivables | Receivables, inventory, equipment | Fixed or revolving | Varies (flexible) | No |
| Specialty Financing | Unique models or capital structures | Business-specific structure | Custom/varied | Varies (custom) | Often minimal or none |
| Bridge Loans | Startups between rounds or events | Near-term milestone or cash event | Bullet or short-term amortized | 6–18 months | Sometimes (if convertible) |
Choosing the Right Option
Each financing model serves a different need:
- Need capital without giving up equity? Start with RBF, cash flow lending, or ABL.
- Have VC backing and need to extend runway? Venture debt might fit.
- Facing a timing gap before a major event? A bridge loan can help.
- Operating a non-standard model? Specialty financing offers tailored flexibility.
Hum’s Marketplace matches you with the right capital using your performance data — not pitch decks or intros. We bring transparency, speed, and fit to your fundraising journey.
Explore your funding options on Hum Capital and find the solution that fits your next move.
