# Best Recurring Revenue Finance Software

## How Many Recurring Revenue Finance Software Products Does G2 Track?

**Total Products under this Category:** 20

### Category Stats (Aug 2026)

- **Average Rating:** 4.62/5 (↑0.02 vs Jul 2026) The average rating of products in this category, based on all submitted ratings
- **Top Trending Product:** Ratio (+3.28%) - Among all products in this category, Ratio recorded the largest rating increase compared to last month

_Last updated: August 06, 2026_

## How Does G2 Rank Recurring Revenue Finance Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 1,700+ Authentic Reviews
- 20+ Products
- Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

## G2 Grid® for Recurring Revenue Finance Software
 ![G2 Grid® for Recurring Revenue Finance Software plotting products by satisfaction and market presence](https://www.g2.com/categories/recurring-revenue-finance/grids.png?focus%5B%5D=59299&focus%5B%5D=1327212&focus%5B%5D=159189&focus%5B%5D=1173766)

Highlighted products: Brex, Ratio, Capchase, and Velocity.

Underlying data: [Grid® JSON](https://www.g2.com/categories/recurring-revenue-finance/grids.json?focus%5B%5D=brex&focus%5B%5D=ratio&focus%5B%5D=capchase&focus%5B%5D=velocity-2022-04-26)

**Sponsored**

### SAP Commerce Cloud

The SAP Commerce solutions delivers feature rich digital commerce capabilities built on a modern cloud native platform that will enable businesses to innovate quickly and deliver the perfect fit digital commerce solution for your business. SAP Commerce has the broadest and varying customer base with over 3500 customers, representing 20 industries across 100 countries. Customers trust our solution for its ability to scale and perform, customers has transacted over 570B+ dollars of gross merchandising value representing over 120M+ orders on our ecommerce platform.

[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1004529&secure%5Bchosen_at%5D=2026-08-06T19%3A44%3A22Z&secure%5Bdisplayable_resource_id%5D=1004529&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=1004529&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=785&secure%5Bresource_id%5D=1004529&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Frecurring-revenue-finance%3Fopen_modal_url%3D%252Fproducts%252Ffounderpath%252Fwishlists%253Fhost_path%253D%25252Fcategories%25252Frecurring-revenue-finance%2526source%253Dcategory&secure%5Btoken%5D=59d1dc0e1e4823ef26130ac55c25c104cd4af4c22dcab7a96cdf683f24d6406b&secure%5Burl%5D=https%3A%2F%2Fwww.sap.com%2Fdocuments%2F2023%2F06%2Fe4554804-787e-0010-bca6-c68f7e60039b.rc.html%3Fcampaigncode%3DCRM-YD25-CEX-407333%26source%3DCOMMERCE-click-campaign-G2&secure%5Burl_type%5D=custom_url)

### [Brex](https://www.g2.com/products/brex/reviews)

Brex is a unified spend platform that makes it easy to control every type of spend. Control your spend worldwide with corporate cards, expense management, reimbursements, travel, bill pay, and business accounts — all in one unified system. 95% of customers say switching to Brex is easy. And tens of thousands of companies including Indeed, SeatGeek, DoorDash and thousands more choose Brex for customizable workflows that can handle complex and diverse types of spend and enable the highest levels of compliance with the least amount of friction for employees. This saves time and money through better, proactive controls.

**Average Rating:** 4.8/5.0

**Total Reviews:** 1,593

#### Who Is the Company Behind Brex?

- **Seller:** [Brex](https://www.g2.com/sellers/brex)
- **Company Website:** brex.com
- **Year Founded:** 2017
- **HQ Location:** San Francisco, California
- **Twitter:** @brexHQ  
24,030 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=5ceea0c33d68c85d5119a06a168b60c71cf44809cf6544cc706f8635736ab03d&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fbrexhq%2F&secure%5Burl_type%5D=linkedin_company_website)  
2,146 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** CEO, Founder
- **Top Industries:** Computer Software, Information Technology and Services
- **Company Size:** 55% Small, 38% Medium

#### What Do G2 Reviewers Say About Brex?

_AI-generated summary from verified user reviews_

##### Pros

- Users value the **ease of use** of Brex, appreciating its intuitive design and organized management of finances.
- Users love the **easy expense tracking** with Brex, simplifying business finances through intuitive features and seamless integration.
- Users praise Brex for its **outstanding customer support** , finding it helpful and responsive in managing banking needs.
- Users love the **easy upload feature** of Brex, making receipt management quick and effortless.
- Users praise Brex for its **efficiency** in managing business finances, offering intuitive tracking and seamless integration.

##### Cons

- Users experience **approval issues** with Brex, often facing denied transactions due to misclassified spending categories.
- Users note the **stringent approval process** may limit access for smaller or less-funded businesses, causing frustration.
- Users find the **manual entry cumbersome** , especially for recurring subscriptions and lack of user-friendly integrations.
- Users report **upload issues** with Brex, including ineffective receipt scanning and trouble with virtual card functionalities.
- Users often face **card issues** with Brex, including difficulties in payment and inappropriate spending category assignments.

#### What Are Recent G2 Reviews of Brex?

**["Effortless Payment Management, Free and Powerful"](https://www.g2.com/survey_responses/brex-review-11170157)**

**Rating:** 5.0/5.0 stars

_— Andrew B._

[Read full review](https://www.g2.com/survey_responses/brex-review-11170157)

**["Effortless Virtual Cards and Automation for Streamlined Expenses"](https://www.g2.com/survey_responses/brex-review-12186189)**

**Rating:** 4.5/5.0 stars

_— Bryan M._

[Read full review](https://www.g2.com/survey_responses/brex-review-12186189)

#### What Are G2 Users Discussing About Brex?

- [What is Brex used for?](https://www.g2.com/discussions/what-is-brex-used-for) - 1 comment

### [Ratio](https://www.g2.com/products/ratio/reviews)

Ratio is the Closing Motion Platform for B2B technology scale-ups. Most scale-ups treat close as a signature, then wait on cash through fragmented handoffs. Proposals sit with sales, payment terms bounce to finance, billing is configured somewhere else, and collections happen in yet another system. Every handoff adds delay, error, and revenue leakage. It gets worse when you bill monthly. You can win the deal and still collect the value over months. Ratio consolidates the fragmented close into one motion. Proposals. One link with terms, payment options, and checkout built in. The buyer picks how they want to pay, accepts, and moves forward. No separate documents, no chasing signatures, no toggling between tools to close the deal. BNPL. Offer buyers flexible payment terms at the moment of close. They pay over time, you collect total contract value upfront. No discounting to force annual prepayment, no monthly billing drag. Renewals. When the current contract expires, the next one starts automatically. Terms are re-evaluated, pricing is updated, and the same post-close flow runs again. No manual renewal work and no gaps in coverage. Collections. Follow-ups, disputes, and delinquency management stay connected to the original proposal terms, so there is no reconciliation across disconnected systems. Less AR workload and faster recovery. An AI orchestration layer runs the motion. Risk is priced in real time, approvals route automatically, and renewals trigger on schedule. Specialized agents handle deal desk pricing, buyer checkout, risk scoring, and collections follow-up, and each one learns from every deal funded on the platform. Ratio is headless, so it embeds inside your CRM and the tools your team already works in. What scale-ups see with Ratio: 60%+ revenue uplift. 20-30% higher win rates by removing budget friction from the sales process. Total contract value collected upfront while buyers pay monthly. Less discounting to force annual prepayment. Fewer tools to run the closing motion. Built for CROs who need to close without discounting, RevOps and deal desk teams who need one controlled flow, and CFOs who need predictable cash. Close is not a signature. Close is cash upfront.

**Average Rating:** 4.7/5.0

**Total Reviews:** 35

#### Who Is the Company Behind Ratio?

- **Seller:** [Ratio](https://www.g2.com/sellers/ratio)
- **Company Website:** www.ratiotech.com
- **Year Founded:** 2021
- **HQ Location:** San Mateo, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=3dc054bbc6550f4483e93cb41f26daf88d09b191498d65fc39d3138446ef529f&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fratio-tech&secure%5Burl_type%5D=linkedin_company_website)  
46 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Account Executive
- **Company Size:** 53% Medium, 29% Large

#### What Do G2 Reviewers Say About Ratio?

_AI-generated summary from verified user reviews_

##### Pros

- Users find Ratio's **ease of use** exceptional, enhancing workflows with seamless integration and a user-friendly experience.
- Users value the **easy setup** of Ratio, making onboarding and payments straightforward and user-friendly.
- Users value the **quick and flexible payment processing** of Ratio, enhancing cash flow and partner relationships.
- Users commend the **outstanding customer support** from Ratio, ensuring quick assistance and enhancing their sales process efficiency.
- Users value the **speed and efficiency** of Ratio, enhancing sales processes and ensuring quick cash collection.

##### Cons

- Users experience **slow performance** with delayed codes and prolonged loading times, impacting their overall satisfaction.
- Users find the **strict eligibility criteria** challenging, especially with the requirement for exact business details.
- Users find that the **manual approval process** can delay their experience due to insufficient credit history for brands.
- Users face **approval process issues** due to manual interventions when brands lack extensive credit history.
- Users often experience **delays in receiving one-time codes** , which can hinder their access and usability of Ratio.

#### What Are Recent G2 Reviews of Ratio?

**["Effortless Payment Creation and Processing That Streamlines Revenue"](https://www.g2.com/survey_responses/ratio-review-13163181)**

**Rating:** 5.0/5.0 stars

_— TYLER R._

[Read full review](https://www.g2.com/survey_responses/ratio-review-13163181)

**["Easy for Clients, with a Clear Line-by-Line Fee Breakdown"](https://www.g2.com/survey_responses/ratio-review-13163195)**

**Rating:** 5.0/5.0 stars

_— Jude P._

[Read full review](https://www.g2.com/survey_responses/ratio-review-13163195)

### [Capchase](https://www.g2.com/products/capchase/reviews)

Capchase Pay is a B2B payment and financing solution designed to improve the buying and selling of software and hardware by streamlining the payment process. This innovative platform allows customers to pay over time according to their preferences while enabling businesses to receive the total contract value (TCV) upfront for annual and multi-year agreements. By offloading the billing and collections process to Capchase, companies can focus on their core operations while increasing their cash flow. Targeted primarily at businesses engaged in software and hardware sales, Capchase Pay addresses the common challenges associated with payment processing and customer financing. It is particularly beneficial for companies looking to close more deals by offering flexible payment options that cater to their customers' financial needs. The solution is designed to simplify the buying experience, making it easier for customers to commit to larger purchases without the burden of immediate full payment. One of the standout features of Capchase Pay is its ability to provide immediate access to booked revenue. By receiving the total contract value upfront, businesses can improve their cash flow and reinvest in growth opportunities without delay. This feature is crucial for companies that rely on predictable revenue streams and need to maintain a healthy financial position. Additionally, the platform integrates seamlessly with existing systems such as CRM and accounting software, ensuring a smooth transition and minimal disruption to current workflows. Capchase Pay also offers a user-friendly setup process, allowing businesses to implement the solution in less than 24 hours without any obligations or minimum usage requirements. There are no one-time or integration fees, making it an accessible option for businesses of all sizes. Furthermore, the solution is available internationally across nine countries and currencies, expanding its reach and usability for global enterprises. By incorporating Capchase Pay into their payment processes, businesses can enhance customer satisfaction through flexible payment options while simultaneously improving their operational efficiency. The ability to streamline billing and collections not only saves time but also allows companies to focus on building relationships with their customers and driving sales growth.

**Average Rating:** 4.5/5.0

**Total Reviews:** 43

#### Who Is the Company Behind Capchase?

- **Seller:** [Capchase](https://www.g2.com/sellers/capchase)
- **Year Founded:** 2020
- **HQ Location:** New York, New York
- **Twitter:** @Capchase  
2,443 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=88a1b822abbee863e9983c8c28ce5074207e033f1f66368c1e6ce12f31555375&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcapchase%2F&secure%5Burl_type%5D=linkedin_company_website)  
99 employees on LinkedIn®

#### Who Uses This Product?

- **Who Uses This:** Account Executive
- **Top Industries:** Computer Software, Hospital & Health Care
- **Company Size:** 77% Medium, 19% Small

#### What Do G2 Reviewers Say About Capchase?

_AI-generated summary from verified user reviews_

##### Pros

- Users find Capchase easy to navigate, appreciating its **ease of use** and responsive customer support.
- Users appreciate the **flexible payment options** from Capchase, enhancing customer experience and easing sales processes.
- Users appreciate the **simple and clean user interface** of Capchase, enhancing their overall experience significantly.
- Users value the **flexibility** Capchase provides, facilitating convenient payment options and quick support for adjustments.
- Users value the **fast and responsive customer support** of Capchase, enhancing flexibility and team collaboration.

##### Cons

- Users report a **lack of clarity** in the portal and reporting features, hindering effective navigation and understanding.
- Users find the **approval process finicky** , often leading to delays in getting buyer confirmations.
- Users experience **occasional technical issues** , including bugs and delays in updates, but support resolves them quickly.
- Users express concern over **limited availability** , which affects their access to essential features and services.
- Users often face **payment issues** with Capchase, complicating client renewals and leading to unnecessary delays.

#### What Are Recent G2 Reviews of Capchase?

**["Aggressive Rates, Flexible Terms, and a Streamlined UI"](https://www.g2.com/survey_responses/capchase-review-12700127)**

**Rating:** 5.0/5.0 stars

_— Verified User in Information Technology and Services_

[Read full review](https://www.g2.com/survey_responses/capchase-review-12700127)

**["Incredibly Easy Process and a Great Experience Overall"](https://www.g2.com/survey_responses/capchase-review-12966651)**

**Rating:** 5.0/5.0 stars

_— Joshua L._

[Read full review](https://www.g2.com/survey_responses/capchase-review-12966651)

#### What Are G2 Users Discussing About Capchase?

- [What is Capchase used for?](https://www.g2.com/discussions/what-is-capchase-used-for)

### [Velocity](https://www.g2.com/products/velocity-2022-04-26/reviews)

Velocity provides revenue-based financing, up to Rs.3 crores, for marketing and inventory spending of online businesses. Our vision is to be the easiest and fastest way for new-age businesses to raise growth capital. Velocity strongly felt the need for a fast, flexible, and non-dilutive mode of financing.

**Average Rating:** 4.2/5.0

**Total Reviews:** 10

#### Who Is the Company Behind Velocity?

- **Seller:** [Velocity](https://www.g2.com/sellers/velocity)
- **Year Founded:** 2020
- **HQ Location:** Bengaluru, IN
- **Twitter:** @velocity\_in  
860 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=155fc043a602a12f546b818bf1fd49d4eaa0eb32a3b77df424e8215632ee7c3e&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F43252744&secure%5Burl_type%5D=linkedin_company_website)  
419 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Medium, 40% Small

#### What Are Recent G2 Reviews of Velocity?

**["It connects and stays connected."](https://www.g2.com/survey_responses/velocity-review-9805773)**

**Rating:** 5.0/5.0 stars

_— Jeremy H._

[Read full review](https://www.g2.com/survey_responses/velocity-review-9805773)

**["Great platform with financial and management solutions."](https://www.g2.com/survey_responses/velocity-review-9955809)**

**Rating:** 4.5/5.0 stars

_— Lovedeep M._

[Read full review](https://www.g2.com/survey_responses/velocity-review-9955809)

### [Silvr](https://www.g2.com/products/silvr/reviews)

Silvr simplifies financing through a unique model and advanced data analysis. With Silvr's Capital Line, small businesses get instant cash access and 12-month capital forecasts. Dedicated financing advisors empower business owners to finance their projects and improve their cash flow. To date, hundreds of European companies entrust Silvr, reinforcing their businesses and receiving over €150M in funds. Join us in building a stronger tomorrow for your business.

**Average Rating:** 5.0/5.0

**Total Reviews:** 5

#### Who Is the Company Behind Silvr?

- **Seller:** [Silvr](https://www.g2.com/sellers/silvr)
- **Year Founded:** 2020
- **HQ Location:** Neuilly-sur-Seine, FR
- **Twitter:** @silvrco  
92 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d16444bace3ded9e5d193d48a974008c62f413d5e0e8faebecfe79d9a80dd6c4&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fgetsilvr%2F&secure%5Burl_type%5D=linkedin_company_website)  
46 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 80% Small, 20% Medium

#### What Are Recent G2 Reviews of Silvr?

**["SILVR provides a perfect financing instrument for high growth startups"](https://www.g2.com/survey_responses/silvr-review-7639532)**

**Rating:** 5.0/5.0 stars

_— christophe d._

[Read full review](https://www.g2.com/survey_responses/silvr-review-7639532)

**["Very good experience with Silvr."](https://www.g2.com/survey_responses/silvr-review-7629775)**

**Rating:** 5.0/5.0 stars

_— Léo D._

[Read full review](https://www.g2.com/survey_responses/silvr-review-7629775)

### [Recur Club](https://www.g2.com/products/recur-club/reviews)

Recur Club is a debt marketplace where companies can easily get a business loan guided by a dedicated capital expert.

**Average Rating:** 4.7/5.0

**Total Reviews:** 3

#### Who Is the Company Behind Recur Club?

- **Seller:** [Recur Club](https://www.g2.com/sellers/recur-club)
- **Year Founded:** 2021
- **HQ Location:** New Delhi, IN
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=f673eaddfe38da48a7a7c16c7983700679260f2ac0a1e9d40e690e9452051e27&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Frecurclub&secure%5Burl_type%5D=linkedin_company_website)  
120 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 67% Medium, 33% Small

#### What Are Recent G2 Reviews of Recur Club?

**["Prompt service, works like a partner not just a service providerNHWQ INNT"](https://www.g2.com/survey_responses/recur-club-review-8175623)**

**Rating:** 4.5/5.0 stars

_— Gaurab P._

[Read full review](https://www.g2.com/survey_responses/recur-club-review-8175623)

**["This is something called SEAMLESS, EXCELLENT TEAM!!"](https://www.g2.com/survey_responses/recur-club-review-8162885)**

**Rating:** 5.0/5.0 stars

_— Pawan K._

[Read full review](https://www.g2.com/survey_responses/recur-club-review-8162885)

### [Reward](https://www.g2.com/products/reward/reviews)

Reward helps SaaS companies maximize recurring revenue with in-app rewards that drive engagement, referrals, and reviews. Customize incentives to fit your user journey, boost conversions, and capture high-quality users. With seamless integration and support for major platforms like Stripe, Segment, and G2, Remention transforms your product into a growth engine, turning users into loyal advocates.

**Average Rating:** 5.0/5.0

**Total Reviews:** 3

#### Who Is the Company Behind Reward?

- **Seller:** [Remention](https://www.g2.com/sellers/remention)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 33% Medium, 33% Small

#### What Are Recent G2 Reviews of Reward?

**["Simplified Reward Automation"](https://www.g2.com/survey_responses/reward-review-12246379)**

**Rating:** 5.0/5.0 stars

_— Jennyfer R._

[Read full review](https://www.g2.com/survey_responses/reward-review-12246379)

**["Reward : A roller coaster reward platform"](https://www.g2.com/survey_responses/reward-review-10921214)**

**Rating:** 5.0/5.0 stars

_— Adarsh Y._

[Read full review](https://www.g2.com/survey_responses/reward-review-10921214)

### [vabble.io](https://www.g2.com/products/vabble-io/reviews)

vabble.io is an innovative B2B workflow automation platform that simplifies cross-border payments for businesses in emerging markets. Our platform provides embedded financing, including foreign exchange and hedging, enabling faster access to cash by monetizing receivables. We connect assets to trusted institutional investors from the US, EU, and UK, ensuring a secure and efficient process.

**Average Rating:** 3.8/5.0

**Total Reviews:** 2

#### Who Is the Company Behind vabble.io?

- **Seller:** [vabble ltd](https://www.g2.com/sellers/vabble-ltd)
- **Year Founded:** 2021
- **HQ Location:** London, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d9918582d9a48576f1027c7bafb6f0fd04bb47e0ccac3f24aabcf476347efbed&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fvabbleio%2F&secure%5Burl_type%5D=linkedin_company_website)  
6 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 50% Medium, 50% Small

#### What Are Recent G2 Reviews of vabble.io?

**["Platform's automation streamlines the entire process"](https://www.g2.com/survey_responses/vabble-io-review-10271133)**

**Rating:** 4.0/5.0 stars

_— Marcelo E._

[Read full review](https://www.g2.com/survey_responses/vabble-io-review-10271133)

### [re:cap](https://www.g2.com/products/re-cap/reviews)

re:cap helps tech companies make better financial decisions and maximize their capital efficiency. They integrate financial analysis, forecast, and funding in one platform called the Capital OS. This ensures that financial operations and funding work as one. The Capital OS The Capital OS combines financial analysis, forecasting, and funding in one platform. It links company performance with planning and funding decisions, giving businesses a structured way to manage capital. Analysis With Analysis, companies bring all their financial data in real-time into one place. They see cash balances, runway, and growth at a glance, track transactions across accounts, and understand where money flows. Benchmarks, capital needs, and a rating system show how fundable a company is and what to improve. Forecast With Forecast, companies plan short-term liquidity and long-term capital needs in one place. Using cash flow, invoices, actuals, and budgets, they create weekly and monthly forecasts, test scenarios, and add funding events to see the impact. This shows them clearly when capital is needed, what is possible with the funds available, or what kind makes sense. Funding re:cap offers a non-dilutive credit line. Companies can tailor terms – including amount, duration, and repayment – to fit their business needs and goals. How companies use funding - Extend runway to reach profitability or postpone equity fundraising - Fund long-term growth - Fund large investments - Bridge short-term liquidity needs - Cover long payment targets Key terms of the funding - Ticket size: €50K to €5M - Amortization: 1 to 60 months - Control: 100% non-dilutive - Only pledge on receivables: no personal guarantees and no equity kickers Available in Germany, United Kingdom and Netherlands.

**Average Rating:** 5.0/5.0

**Total Reviews:** 1

#### Who Is the Company Behind re:cap?

- **Seller:** [re:cap Technologies GmbH](https://www.g2.com/sellers/re-cap-technologies-gmbh)
- **Company Website:** www.re-cap.com
- **Year Founded:** 2021
- **HQ Location:** Berlin, DE
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=865dfaf9cab0b5af1902fde68eb5afaaf79d9f26b2c11dafd0e1edf043a01387&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Frecapnow%2F&secure%5Burl_type%5D=linkedin_company_website)  
67 employees on LinkedIn®

#### Who Uses This Product?

- **Company Size:** 100% Small

#### What Do G2 Reviewers Say About re:cap?

_AI-generated summary from verified user reviews_

##### Pros

- Users value the **flexibility** offered by re:cap, enabling ambitious growth without sacrificing equity.
- Users highlight the **smooth onboarding process** with re:cap, leading to significant growth and flexibility in funding.

##### Cons

- Users find the **higher costs** of re:cap to be a significant drawback, despite its flexibility.

#### What Are Recent G2 Reviews of re:cap?

**["Very trustworthy and flexible financing partner"](https://www.g2.com/survey_responses/re-cap-review-11718148)**

**Rating:** 5.0/5.0 stars

_— Verified User in Information Technology and Services_

[Read full review](https://www.g2.com/survey_responses/re-cap-review-11718148)

### [Arc Advance](https://www.g2.com/products/arc-advance/reviews)

Arc converts startups’ future revenue into upfront capital, without debt or dilution. With Arc, you can onboard in seconds and get a decision in hours. It's as simple as entering your information, connecting your accounts, and receiving an offer for up to $50M. We provide upfront pricing and flexible repayment terms (up to 18months) so you know exactly what it'll cost without any complex calculations. Say goodbye to covenants, personal guarantees, full asset liens, and warrants. Say hello to the friendlier way to fund your growth—say hello to Arc.

#### Who Is the Company Behind Arc Advance?

- **Seller:** [Arc](https://www.g2.com/sellers/arc-a756a7d0-5fb5-4872-a021-1ab6befc9084)
- **HQ Location:** Palo Alto, California
- **Twitter:** @arcdotdev  
5,156 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=ffaf02753b74fbdddda23bcf168830f5b38a147159fbcdf9be825d873275469a&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Farcdotdev%2F&secure%5Burl_type%5D=linkedin_company_website)  
108 employees on LinkedIn®

### [ARR Dashboard](https://www.g2.com/products/arr-dashboard/reviews)

ARRGuide automatically calculates ARR bridges, gross revenue retention (GRR), and net revenue retention (NRR) from a CSV or Google Sheet upload. Built for SaaS finance and RevOps teams who need board-ready metrics without a Stripe integration or data engineering support. Upload your customer ARR data and get an instant ARR waterfall, TTM and monthly retention metrics, customer-level detail, and exports to Excel, PDF, and PowerPoint. Free 14-day trial, $99/month.

#### Who Is the Company Behind ARR Dashboard?

- **Seller:** [ARRGuide](https://www.g2.com/sellers/arrguide)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [BridgeUp](https://www.g2.com/products/bridgeup/reviews)

Transform your company's recurring revenues into upfront capital, without dilution or restrictive debt. BridgeUp is a platform that brings together, entrepreneurs and business owners that want raise funds as well as investors looking at expanding their portfolio. With competitive interest rates and a yearly tenure for repayment, BridgeUp is ideal for companies with recurring revenues. Being Industry agnostic, companies with a high degree of predictability can utilize BridgeUp to raise funds. Here's a list of sectors we regularly service: Services SaaS Insurance EdTech OTT Media D2C Subscription BridgeUp also provides fixed and predictable returns for investors looking at expanding their portfolios with recurring revenues. By far the easiest method to raise funds. Companies can now raise capital as quickly as 72 hours. With 3 easy steps to get started, BridgeUp takes away the pains entrepreneurs would ideally face while dealing with banks and Venture Capitalists. Step 1: Integrate your companies data Step 2: Select customers you want to trade Step 3: Get the money in your bank Within these stages BridgeUp analyzes the predictability of your revenues and provides the highest capital possible with the lowest interest rates. Sign up on BridgeUp for free: Realize the potential of your recurring revenues! https://bridgeup.com/

#### Who Is the Company Behind BridgeUp?

- **Seller:** [BridgeUp](https://www.g2.com/sellers/bridgeup)
- **Year Founded:** 2021
- **HQ Location:** Hyderabad, IN
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b72eb92ac8499918643a96945d3f6ad6517c7ad46d000bcdcdd1a0fdc008dbc8&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Funderwp%2F&secure%5Burl_type%5D=linkedin_company_website)  
2 employees on LinkedIn®

### [CreditLinq Recurring Revenue Financing](https://www.g2.com/products/creditlinq-recurring-revenue-financing/reviews)

Recurring Revenue Financing is a financing option which helps you extend your runway without diluting equity. Exclusively designed for businesses which have one or more ongoing revenue streams, this option empowers you to address your immediate spends like marketing & inventory, head-on. To get approved, you need to sync your banking system with our platform & repayment is as simple as sharing a percentage of future revenue for upcoming 6 to 12 months.

#### Who Is the Company Behind CreditLinq Recurring Revenue Financing?

- **Seller:** [CrediLinq.Ai](https://www.g2.com/sellers/credilinq-ai)
- **Year Founded:** 2021
- **HQ Location:** Singapore, SG
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=235294baff9f963bda8aac8dc5c82369fe4052be80cc199dafb57e5ccb2150a6&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcredilinq-ai&secure%5Burl_type%5D=linkedin_company_website)  
35 employees on LinkedIn®

### [Efficient Capital Labs](https://www.g2.com/products/efficient-capital-labs/reviews)

Efficient Capital Labs provides growth capital for global AI & SaaS companies with zero equity dilution. We typically fund businesses with at least $500K ARR and 3+ months of runway. We champion a fast and flexible approach towards financing startups. Trusted by 250+ companies. $200M deployed. 80%+ founders came back for more. What makes our Non-Dilutive Financing Different? ✅ARR-based Non-dilutive funding Grow with up to $5M of financing, while preserving 100% of your ownership. Receive up to 60% of your annual revenue upfront in tranches, with no equity, warrants or dilution. ✅Borderless Funding Get recognized for your growth in all geographies, via our global underwriting. Get funded in USD, INR or SGD. ✅Rapid Funding Offers Time your cash to your opportunities. Receive an offer within 3 days, with an instant indicative offer if eligible.

#### Who Is the Company Behind Efficient Capital Labs?

- **Seller:** [Efficient Capital Labs](https://www.g2.com/sellers/efficient-capital-labs)
- **Year Founded:** 2022
- **HQ Location:** New York City, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=374757ae21cd8ac45388e24d04144045a6be135e24ed64a9f8b6e69b5d010c65&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fefficient-capital-labs&secure%5Burl_type%5D=linkedin_company_website)  
47 employees on LinkedIn®

### [Float](https://www.g2.com/products/float-2024-04-19/reviews)

Welcome to Float - the go-to growth funding partner for recurring revenue businesses! 🚀 At Float, we believe in your growth and offer a founder-friendly funding solution tailored to your needs. Our innovative approach supports your business growth without requiring any personal or equity guarantees or dilution. Get a credit of up to 70% of ARR, take out loans as needed, customize each one, and pay interest only on the used credit. The credit limit expands alongside your business, ensuring uninterrupted access to funding. Unleash your business's full potential while maintaining absolute control. We'd love to hear from you and share more about how Float can support your growth. Reach out to us at hello@gofloat.io!

#### Who Is the Company Behind Float?

- **Seller:** [Float](https://www.g2.com/sellers/float)
- **Year Founded:** 2019
- **HQ Location:** Stockholm, Sweden
- **Twitter:** @float\_funding  
4 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=4587e4ac1cfc70dd96c71a83e6270490cec14882ff7cdf2369ea0c09fa993002&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffloatfunding%2F&secure%5Burl_type%5D=linkedin_company_website)  
13 employees on LinkedIn®

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[Browse Recurring Revenue Finance Themes](/categories/recurring-revenue-finance/themes)

 ![Nathan Calabrese](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Nathan Calabrese")
NC

Researched and written by [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)

Updated October 3, 2024

Recurring revenue finance software, sometimes referred to as programmatic financing, facilitates short term loans, usually one to two years, to high growth start-up SaaS and e-commerce companies with annual recurring revenue (ARR). This type of loan differs from traditional funding because instead of raising funds by selling and diluting ownership in a company, owners are able to borrow money against their recurring revenue without losing stake in the company.

Typically, recurring revenue finance software integrates with a company’s banks, accounting, and payment systems to get a real-time view of financial performance, expenses, ARR, and where money is being spent. Once the data is analyzed, the software provides a loan amount and either an interest rate or a percentage of future subscription fees that will be paid to the lender. These loans provide more cash flow for scaling companies to spend on areas such as sales, marketing, or to pay vendors early for greater discounts.

Recurring revenue finance should not be confused with [venture capital management software](https://www.g2.com/categories/venture-capital-management), which helps VC’s manage their investments and capitalization tables to break down a company's percentages of ownership, equity dilution, and value of equity in each round of investment.

To qualify for inclusion in the Recurring Revenue Finance category, a product must:

- Provide an underwriting platform that analyzes various financial data to provide a loan amount and interest rate
- Allow for reporting and analytics on key business metrics, such as performance, revenue, cash on hand, and expenses
- Provide a user dashboard which displays the funds a company is eligible for, funds available, and funds used
- Integrate with a company’s existing tools, such as banking platforms, accounting software, and expense management software

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