Zero Equity Dilution
Secure £500,000+ in growth capital without surrendering equity, warrants or board seats.
Acorn Corporate Desk · SaaS & Recurring Revenue Capital Modeler
MRR / ARR Recurring Revenue Finance & Runway Calculator
Convert contracted monthly subscriptions into non-dilutive growth capital. Calculate your credit limit, model runway extension, and see how much equity you preserve compared to venture capital.
Calculate Non-Dilutive Capital BelowThe 4 advantages of recurring revenue finance
Underwritten on MRR Data
Credit limits use Open Banking and subscription analytics rather than fixed physical property assets.
Flexible Boost vs Flex Options
Choose an upfront lump-sum injection or an on-demand revolving line as contract volume grows.
Fast Tech-Led Onboarding
Approval centres on retention and contract quality, without director credit checks or personal asset charges on qualifying products.
MRR Capital & Runway Calculator
A. Recurring Revenue Baseline
£60,000
£20,000£500,000
5.0%
1.0%15.0%
80%
50%95%
9 months
3 months24 months
B. Facility Structure Choice
| Estimated Non-Dilutive Capital Limit | £306,786 |
|---|---|
| Cost of Capital Range | 9.7%–11.7% |
| Projected Runway Extension | +25.6 months |
| Estimated Equity Value Preserved | £507,094 |
| Estimated Monthly Repayment | £28,308 |
Equity Preservation Analysis
Raising £306,786 via illustrative VC equity could surrender a stake worth £540,000 at today’s modelled valuation. Recurring-revenue finance costs about £32,906 in interest, preserving an estimated £507,094 in founder equity.
Facility Approval Predictor
Your £60,000 MRR and 5.0% churn meet the modelled revenue and retention criteria. Confirm 12+ months trading for tech-enabled Open Banking underwriting.
Download Your Non-Dilutive Capital & Runway Report (PDF)
A five-page appraisal comparing debt and equity costs, runway projections and indicative terms.
Send these figures straight to a specialist broker — no need to re-enter your numbers.
Apply with These Figures
No credit bureau searches at this initial stage.
Important Financial & Tax Advice Notice
Acorn.finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or chartered accountant. Recurring revenue finance facility charges may be deductible operating business expenses subject to professional tax advice. Facility limits, rates and approval remain subject to full software data integration, bank account analytics and credit underwriting.