Berlin-based Tapline, a fintech leader revolutionising financing for SaaS and subscription-based businesses, has raised €20 million in a pre-Series A round of combined equity and debt. Karim Beshara, GP of A15 Venture Capital and Managing Partner of Accelero Capital, led the equity portion, which included participation from Antler and several strategic business angels.
Additionally, Tapline secured a specialised debt facility from WinYield to finance its debt portfolio, providing non-dilutive capital to SaaS and subscription businesses. This facility offers key benefits, including reduced operational costs, WinYield’s complementary credit engine, credit transfer capabilities, and minimal equity capital requirements for facility expansion.
How Tapline meets the financial needs of modern SaaS companies
Founded in 2021 by Dean Hastie, Peter Grouev, and Dmitrij Miller, Tapline has pioneered an innovative funding approach for SaaS companies. Their model enables businesses to convert future subscription revenues into immediate cash — a simple yet powerful concept.
Dean Hastie, Co-founder of Tapline, told TFN: “We created Tapline to address both a personal challenge and a growing market need. With our backgrounds in credit investment, venture capital, and technology, we recognised the value of traditional financing options like equity funding and debt facilities. However, we also saw an opportunity to create a solution catering to the predictable, recurring revenue streams of SaaS and subscription-based businesses.”
The platform democratises capital access for digital SMEs — which is crucial for growth, especially in challenging economic times. It provides an alternative to traditional venture capital, enabling growth financing without ownership dilution.
Hastie elaborated: “Tapline addresses the need for an alternative growth capital option tailored to SaaS and subscription companies. While equity and traditional debt financing have their place, they don’t always align with recurring revenue businesses’ unique cash flow dynamics. Tapline bridges this gap by offering a non-dilutive financing model that allows businesses to pre-finance future receivables.”
Currently, Tapline serves clients across Germany, Estonia, the Czech Republic, and Poland. The strong demand for its solution, along with its robust credit model and multi-currency platform, has established Tapline as a key growth partner for European SaaS businesses.
Leveraging AI to streamline funding access
Through AI-driven credit technology, Tapline delivers scalable funding solutions. Businesses with just €15K in monthly recurring revenue can access up to €2M in funding, making it valuable for both early-stage and established companies.
Beyond non-dilutive financing, Tapline’s platform features advanced AI-powered analytics, providing clients with actionable insights into their financial health, cash flow forecasts, and growth strategies.
Hastie explained to TFN: “Tapline’s proprietary AI-driven credit engine is at the core of its innovation. The technology evaluates key SaaS metrics such as MRR, churn, and burn rates, enabling data-driven funding decisions tailored to each business. Its flexibility allows it to adapt seamlessly to different geographies and currencies, making Tapline highly scalable. The platform’s multi-currency support and ability to provide monthly financing as businesses grow make it a reliable and efficient solution for SaaS companies looking for flexible growth capital.”
Bridging the gap: next-gen funding Solutions for SaaS companies
As the SaaS industry matures, financing options are evolving to meet these companies’ unique needs. The future of SaaS financing will blend traditional and innovative funding models, emphasising sustainable growth, capital efficiency, and adaptable pricing strategies.
Hastie concluded: “As subscription businesses adopt AI and shift to usage-based pricing, Tapline’s scalable, non-dilutive capital solutions will adapt. By addressing Europe’s funding gap with tailored, multi-currency financing, Tapline empowers founders to scale sustainably while retaining control.”
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