IT Business Financing
Take on the next contract with capital for payroll, technology, and project delivery. Explore funding options based on your revenue, operating history, and business needs.
For active businesses with verifiable revenue. Approval, amounts, and timing depend on the program and underwriting.
Keep Your Next Project Moving
Match the repayment schedule to the cash your business actually collects.
Capital for Your Next Business Milestone
Choose a clear use of funds before choosing a financing product.
Deliver Larger Contracts
Cover employee and contractor costs during onboarding, implementation, and client payment cycles.
Strengthen Your Infrastructure
Purchase servers, networking hardware, workstations, or other eligible business equipment.
Build Your Delivery Team
Support recruiting, technical training, and additional service capacity for confirmed demand.
Funding Built Around IT Operations
Managed Service Providers
Bridge the gap between recurring client collections and payroll, vendor, or support expenses.
IT Consulting & Development
Manage project delivery costs when client payments follow milestones or longer billing cycles.
Cybersecurity & Cloud Services
Support implementation teams, business tools, and customer onboarding as your service base expands.
Technology Service Companies
Review options for established software, technical support, and infrastructure businesses with documented revenue.
Compare Your Funding Options
The right structure depends on the expense, how long it creates value, and your ability to repay.
Business Line of Credit
Access available credit as needed, subject to the facility’s terms. Review draw fees, rates, and repayment requirements.
Explore Lines of Credit →Business Term Loans
Finance a planned expense with a lump sum and a defined repayment schedule. Confirm the total cost and payment frequency.
Explore Business Loans →Equipment Financing
Finance eligible equipment purchases. The equipment may serve as collateral; software and service costs need separate review.
Explore Equipment Financing →Revenue-Based Funding
Options evaluated using business revenue and cash flow. A loan and a merchant cash advance have different structures; review the actual agreement.
Revenue-based funding is not the same as an advance against unpaid invoices. Payments may be fixed or sales-linked, depending on the product.
Prepare for Your Funding Review
Start With the Essentials
These are starting points for select working capital options, not universal requirements or a guarantee of qualification. Other products may require more operating history, stronger credit, or additional documents.
Help Explain Your Cash Flow
- Requested amount and specific use of funds.
- Average monthly revenue and existing financing payments.
- Major customer contracts and expected collection dates, if requested.
- Profit and loss statements, tax returns, or equipment quotes, depending on the program.
Recurring contracts can help explain your business, but they do not replace evidence of actual revenue and repayment capacity.
Move From Application to Informed Decision
Share Your Business Needs
Submit your business details, requested amount, and intended use of funds.
Review Available Options
Provide the required documents. Compare any eligible offers by cost, term, and payment schedule.
Confirm Before You Commit
Review the agreement, complete any final requirements, and confirm the disbursement timeline.
An application does not guarantee an offer. Funding follows approval, signed agreements, and completion of all required conditions.
IT Business Financing Questions
Can I Apply With Recurring Service Revenue?
Yes. Documented recurring revenue can support a review, but eligibility also depends on deposits, operating history, credit, existing obligations, and the selected program.
Can Funding Cover Payroll While Clients Pay Later?
Working capital may support eligible payroll and project expenses. Compare the required payments with your collection schedule, including the effect of a delayed client payment.
Can I Finance Software and Cloud Subscriptions?
Some working capital products may cover eligible business software and cloud expenses. Equipment financing eligibility varies; confirm whether licenses, subscriptions, and implementation costs are included.
Is This Funding for a Pre-Revenue Startup?
This page focuses on active IT businesses with verifiable revenue. Select options begin at six months in business; eligibility and additional requirements vary by program.
What Should I Compare Before Accepting an Offer?
Compare total repayment, payment frequency, fees, term, collateral or personal guarantees, and early payoff provisions. A factor rate is not an APR; ask how the cost is calculated and how repayment affects cash flow.
Fund Your Next IT Business Move
Tell us what you need to finance. GoKapital can help you explore options suited to your business profile.
Monday–Friday, 9AM–6PM ET. Financing is subject to eligibility, underwriting, and program availability.