Key Takeaways
- Ukrainian SaaS founders with US MRR qualify — no green card needed
- Non-dilutive revenue-based funding — keep 100% of your equity
- Funding based on ARR/MRR, churn, and growth trajectory
- 48-hour decisions — faster than any VC process
- Repayment from monthly subscription revenue
Ukraine's product company ecosystem — Grammarly, Gitlab, Ajax Systems, and hundreds of smaller companies — demonstrated world-class SaaS capability. Ukrainian parolee founders are building the next generation of that ecosystem in the US. They understand CAC, LTV, churn, and SaaS unit economics at a professional level. What they face is a capital market where VCs are reluctant to invest in founders with temporary immigration status. Bankable's non-dilutive SaaS funding changes that equation.
SaaS Funding Mechanics
Revenue-based financing for SaaS advances a multiple of your MRR — typically 3-12x MRR depending on growth rate, churn, and contract length. Repayment comes as a percentage of monthly subscription revenue. A SaaS company with $50,000 MRR and 2% monthly churn might qualify for $300,000-$500,000 in non-dilutive capital. As MRR grows, capacity to draw additional capital increases proportionally.
SaaS Funding Products
- MRR-Based Advance: 3-12x your current MRR in non-dilutive capital. Repay as a percentage of monthly subscription revenue.
- ARR Facility: Annual contract customers support larger, longer-term facilities based on contracted ARR.
- Sales Team Expansion: Fund SDR hires, AE compensation, and sales enablement tools to accelerate ARR growth.
- Engineering Investment: Hire engineers to build features that reduce churn and expand ICP.
- Marketing Budget: Fund content, paid search, and conference presence for demand generation.
Frequently Asked Questions
Yes. Ukrainian U4U parolees with US SaaS revenue qualify for Bankable's non-dilutive revenue-based funding. We underwrite based on your MRR, churn rate, and growth trajectory — not your immigration status.
$15,000 per month in recurring subscription revenue. Companies with $50,000+ MRR qualify for larger facilities (3-12x MRR) with better terms.
Typically 3-12x MRR. A SaaS company with $50,000 MRR can access $150,000-$600,000. The exact multiple depends on churn rate (lower churn = higher multiple), annual contract percentage (annual contracts = higher multiple), and revenue growth rate.
MRR/ARR, monthly churn rate, net revenue retention, average contract value, CAC, and LTV/CAC ratio. Strong net revenue retention (110%+) and low churn (<2% monthly) qualify for the highest multiples.
For most parolee founders at the $15K-$200K MRR stage, yes. VCs are uncomfortable with immigration uncertainty at Series A. Revenue-based funding is non-dilutive, deployable within 48 hours, and doesn't require visa stability. You retain full ownership and control.
Yes, but we prefer to see US billing relationships (USD invoices or US payment processor receipts). International-only billing may complicate underwriting. Mixed US/international revenue is acceptable.
Repayment comes as a fixed percentage of monthly subscription revenue — typically 6-15%. On a month where you collect $60,000 in subscriptions, you might repay $5,400-$9,000. On a $40,000 month, you repay proportionally less.
High churn (above 5% monthly) significantly reduces eligible funding multiples. We may still fund companies with elevated churn if the underlying product problem causing churn is identified and actively being addressed. We evaluate the full business picture.