Alternative Lending Internet-First Revenue-Based Financing sector
Strategic acquirers, private equity (buyout funds and growth funds) firms, and valuation benchmarks for Alternative Lending Internet-First Revenue-Based Financing
1.1 - About Alternative Lending Internet-First Revenue-Based Financing sector
Companies in the Alternative Lending Internet-First Revenue-Based Financing category provide non-dilutive capital advances repaid as a fixed share of future online sales or subscription revenues. They serve digital merchants by connecting to storefronts and payment processors to underwrite quickly, fund within days, and automate remittances. The model finances marketing, inventory, and expansion while aligning repayments to cash inflows, offering transparent pricing and flexible terms without equity dilution.
These companies offer revenue-based financing facilities, online merchant cash advances, revolving growth lines, and inventory financing tied to sales velocity. They integrate with Shopify, Amazon, Stripe, PayPal, and subscription billing systems to ingest real-time performance data for algorithmic underwriting. Customer portals and APIs enable instant offers, contract execution, and repayment tracking, while payment-splitting rails automate collections. Risk analytics, KYC/AML, and dynamic pricing calibrate limits and fees.
Primary customers include e-commerce brands, DTC retailers, SaaS vendors, and online marketplaces. Outcomes include faster access to working capital, reduced equity dilution, smoother cash flow via revenue-aligned repayments, and financed ad spend and inventory ahead of peak seasons. Strategic buyers in internet-first revenue-based financing look for embedded capital partnerships with platforms, lower loss ratios through differentiated data models, and expansion into new merchant segments.
2. Buyers in the Alternative Lending Internet-First Revenue-Based Financing sector
2.1 Top strategic acquirers of Alternative Lending Internet-First Revenue-Based Financing companies
Capchase
- Description: Provider of an embedded vendor financing platform that lets software and tech-equipment vendors offer flexible payment terms—monthly, quarterly or net—while receiving full upfront payment, enabling faster deal approvals, automated workflows, real-time program data and operation across nine countries.
- Key Products:
- Capchase Vendor Financing Platform: Cloud platform enabling vendors to embed financing, offer flexible terms, secure buyer approvals, receive upfront payment, and automate offer configuration and tracking for faster closures
- Capchase Pay: Embedded financing solution letting customers pay over time while vendors receive upfront payment, boosting sales velocity with flexible terms for B2B software and hardware deals
- Live Buyer Tracking: Real-time tracking feature providing step-by-step visibility into buyer payment link actions—opened, company details added, payment method added, agreements signed—enabling timely seller intervention to close deals
- Slack & Salesforce Workflow Integrations: Integrations sending financing alerts like buyer qualification results to Slack and enabling support ticket submission within Capchase or Salesforce, boosting responsiveness and workflow efficiency
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
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- Acquisitions: ●●
2.2 - Strategic buyer groups for Alternative Lending Internet-First Revenue-Based Financing sector
M&A buyer group 1: Internet First Working Capital Financing
October
- Type: N/A
- Employees: ●●●●●
- Description: Provider of a pan-European fintech platform that democratizes business financing by embedding lending capabilities into partner websites, apps and workflows. October enables third-party organizations to offer instant SME loans through customizable landing pages, APIs or fully integrated solutions powered by algorithms and machine-learning credit assessments.
- Key Products:
- Custom Entry Point: Provides partners with a customizable landing page embedded in their site or app that lets customers start a loan application with one click from an e-commerce or marketplace environment
- Embedded Lending APIs: Offers one-time API integration so partners embed October’s loan workflow inside existing systems, letting users complete applications without leaving the native platform and boosting conversion
- Full Integration Lending Platform: Delivers end-to-end credit processing within the partner environment, using ML algorithms that analyse financial statements and bank transactions to determine credit terms and fund loans
- Instant Business Loans Service: Enables partner customers to complete an online application in one minute, receive a definitive decision within 48 hours and obtain funds in their bank account within a week.
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●● companies3. Investors and private equity firms in Alternative Lending Internet-First Revenue-Based Financing sector
3.1 - Buyout funds in the Alternative Lending Internet-First Revenue-Based Financing sector
2.2 - Strategic buyer groups for Alternative Lending Internet-First Revenue-Based Financing sector
4 - Top valuation comps for Alternative Lending Internet-First Revenue-Based Financing companies
4.2 - Public trading comparable groups for Alternative Lending Internet-First Revenue-Based Financing sector
Valuation benchmark group 1: Nonbank Credit and Collections Companies
Intrum
- Enterprise value: $●●●m
- Market Cap: $●●●m
- EV/Revenue: ●.●x
- EV/EBITDA: ●●.●x
- Description: Provider of credit management services, offering solutions for debt collection, credit optimization, and financial services to improve cash flow and long-term profitability for businesses across Europe.
- Key Products:
- Debt Collection: Services for recovering outstanding debts and improving cash flow
- Credit Optimization: Services including credit monitoring, credit decision-making, and factoring
- Payment Management: Solutions for payment processing and collection management
- Portfolio Investments: Purchasing and managing overdue debt portfolios
- Strategic Markets: Customized credit management solutions tailored for specific markets