Financing for your software development firm — WhiteHats Capital
We connect cybersecurity consultancies and dev shops with capital to hire, scale, or upgrade infrastructure without the typical bank red tape.
Soft inquiry only. Checking rates does not impact your credit score.
- Technical debt
- Billable hours
- MRR
- SaaS churn
- Project burn rate
- Security compliance
- Invoice factoring
- Development cycles
Cybersecurity and fintech software development business financing
Financing options matched to your situation, in one place.
- CAPITAL Revenue-based financing Get funding against monthly recurring revenue to support rapid scaling.
- CREDIT Business lines of credit Access funds on demand to manage cash flow gaps between project milestones.
- TERM Equipment financing Secure hardware and security infrastructure with structured repayment terms.
- TERM SBA term loans Long-term capital for established cybersecurity firms to acquire talent.
- $10K–$500K Funding amounts available
- 24–48 hours Typical time to decision
- 1 soft pull Impact on credit report
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Tech-focused underwriting
- Lenders analyze SaaS metrics, not just legacy balance sheets.
- We value recurring revenue contracts as predictable collateral.
No collateral requirements
- Many options allow for unsecured financing to protect your assets.
- Keep your physical hardware and proprietary code free from liens.
Transparent partner network
- We only work with lenders who provide clear repayment schedules.
- Every offer includes all origination fees and interest rates upfront.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Lack of tangible collateral
Banks view software code as intangible and difficult to liquidate during a default event.
Irregular revenue cycles
Traditional lenders demand perfectly smooth annual revenue, ignoring project-based spikes.
High burn rate concerns
Early-stage startups reinvesting in talent appear unprofitable to standard bank systems.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Boutique Dev Agency
Hiring three full-stack engineers to meet a new client project deadline.
Cybersecurity Consultancy
Upgrading server infrastructure for a security auditing project.
Fintech Software Startup
Bridging capital for 6 months while waiting on net-60 invoices.
App Development Firm
Marketing launch campaign for a new proprietary security tool.
Business insurance for dev firms
Protect your assets against cyber liability and professional errors. We connect you with specialized brokers familiar with software dev risks.
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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After just starting my trucking business I was strapped for cash. Matt took care of me and made sure I got the loan.
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They gave me a chance when nobody else would. I'm very satisfied.