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For Founders

Growth capital without equity dilution

We provide structured, revenue-based financing for companies with strong recurring revenue and a proven model. No equity given up. No board seats surrendered. Your company, your terms.

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Ideal Candidate

Who we're built to fund

Revenue Threshold

$400,000+ in annual recurring revenue (ARR). We look for predictable, measurable revenue streams that demonstrate product-market traction.

Industry Focus

SaaS, Tech Services, e-commerce, and other subscription-based businesses with scalable models. We underwrite revenue quality, not just industry labels.

Growth Trajectory

Companies in active growth mode — expanding customer base, entering new markets, or scaling operations to meet proven demand.

Unit Economics

30%+ gross margins, near breakeven or profitable, low churn, and predictable revenue cohorts. We value capital efficiency and discipline in how you deploy growth dollars.

What Founders Use Capital For

Flexible capital for real growth needs

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Hiring & Scaling Teams
Sales, customer success, and operations hires to capture demand.
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Product & Feature Expansion
Launch new products or expand features to capture adjacent markets.
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Marketing & Growth Spend
Accelerate acquisition with marketing investment at proven unit economics.
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Bridge Working Capital
Short-term capital to bridge contracts, seasonality, or funding rounds.
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Refinance High-Cost Debt
Replace expensive MCA debt with lower-cost, cash-flow-aligned structures.
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Complement Equity Raises
Layer non-dilutive capital alongside VC to extend runway without further dilution.
Capital Structure

How our financing works

$25K–$1M
Check Size
6 Months
Renewable Term
Revenue %
Repayment Model

Repayment scales with your revenue

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Strong Month
Revenue up — your payment increases proportionally. Accelerate payoff naturally.
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Typical Month
Steady revenue — standard payment. Predictable and manageable cash flow.
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Slower Month
Revenue dips — payment reduces automatically. Built-in cash flow protection.

Payments are structured as weekly, bi-weekly, or monthly remittances tied to your revenue, creating natural alignment between your cash flow and your obligations. Frequency is tailored to each deal.

Our Process

Fast, transparent, founder-friendly

1

Apply & Review

Submit your application and core financials — bank statements, P&L, payment processor data. Our team evaluates revenue quality, growth trajectory, and model fit.

2

Diligence & Terms

We conduct financial diligence and present clear, straightforward terms. No hidden fees, no equity triggers, no surprises.

3

Fund & Grow

Capital deployed in as fast as 5–10 days from application to wire. Lightweight reporting and ongoing access to our team for renewable funding as you scale.

Founder FAQs

Common questions from founders

Our standard structures are designed to be non-recourse where possible. Specific guarantee requirements depend on deal structure and company profile. We'll discuss this transparently during the term sheet phase.
Yes — our standard structure includes a UCC lien filing covering furniture, fixtures, equipment, intellectual property, and receivables. We require first position (or second only behind an existing SBA or bank facility). A personal guarantee is also standard. In some cases, a stock pledge agreement may apply. Every detail is walked through transparently during the term sheet process.
Your remittance amount adjusts with revenue — payments decrease when revenue dips. However, your repayment obligations remain in place and a revenue decline does not pause or forgive the advance. We maintain ongoing risk assessment based on business performance indicators and work proactively with founders when challenges arise, but the contractual terms still apply. Our structures are designed to absorb normal business cycles while protecting both parties through collateralized positions.
Yes. Prepayment is available and we encourage it when it makes financial sense for your business. Specific prepayment terms are outlined in your term sheet.
Absolutely. Our capital is complementary to equity financing. Many founders use Yorktown Essex to bridge between rounds, extend runway after a raise, or fund specific growth initiatives without further dilution.

Scale on your terms

Non-dilutive capital structured to match how your business actually operates.

Apply for Capital Schedule Intro Call

This website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only by means of a confidential private placement memorandum and other applicable documentation. Past performance is not indicative of future results. Investment involves risk, including the possible loss of principal.