Non-dilutive capital for AI, SaaS, Web3 and Fintech founders
Funding backed by what you've
already won.
SFTX finances the cash flows your company has already secured: signed enterprise contracts, approved grants, committed compute and proven acquisition channels. Keep your equity for what only equity should pay for.
- Early access program
- EU, Western Balkans and UAE
- No commitment, no credit check to apply
The funding gap
You're winning. Your bank account doesn't know it yet.
You signed the enterprise deal, but delivery starts months before the first invoice is paid. Your grant was approved, but the next tranche arrives after the costs are already on your books. Your compute bill is growing at on-demand prices because you can't commit to a reserved plan. Your best channel is working, but scaling it means raising another round.
Banks ask for collateral you don't have. VCs price working capital as if it were equity. Most founders end up selling ownership to fund cash they've already earned.
How it works
We underwrite the cash flow, not the pitch deck.
Connect your data.
Link your bank, billing, cloud and contract data in minutes. No 40-page application.
Get an indicative offer.
Our AI-assisted credit engine assesses the asset behind the request: the buyer, the grant, the capacity or the channel. A credit committee reviews every decision.
Receive funds and keep building.
Capital is released in tranches tied to milestones and repaid from the cash flow it finances.
Indicative timelines and terms are confirmed during the early access program.
Financing tracks
Four ways to fund growth without giving up equity.
Contract Financing
Signed the deal? Fund the delivery.
We advance working capital against signed contracts with enterprises and public institutions, and buy accepted invoices so you don't wait 90 days to get paid.
For you if: you have a signed contract or purchase order with a creditworthy buyer.
Compute Financing
Pay reserved prices without the reserved commitment.
We finance reserved cloud and GPU capacity so you pay less than on-demand from day one. Repay monthly, as you use it.
For you if: you spend €10k+ per month on compute.
Grant Bridge
Approved is not the same as paid.
We bridge the gap between your costs and your next EU or national grant payment, with compliance support that keeps every euro eligible.
For you if: you hold a signed grant agreement (Horizon Europe, EIC, national innovation funds or EU programs for the Western Balkans).
Growth Co-Financing
We put our money next to yours.
We match 50% of your acquisition budget and get repaid only from revenue the funded campaigns bring in, up to a fixed cap. Start with a test, scale what works.
For you if: you have paying customers and trackable acquisition channels.
Equity and bank debt weren't built for this.
Traditional options
- Equity dilution to fund short-term working capital
- Bank loans that require collateral and profit history
- Generic revenue-based financing that ignores what you've signed
- Slow, document-heavy applications
SFTX
- Non-dilutive capital tied to a specific asset
- Underwriting based on your buyer, grant, capacity or channel
- Repayment from the cash flow it finances
- Data-connected application, AI-assisted review, human credit decision
Why SFTX
Built by operators, not just lenders.
We fund assets, not stories. Your buyer, your grant or your capacity carries the risk, so you get capital that pre-revenue logic would never approve.
We help you deliver. Our delivery partners can support implementation of the contracts we finance. Your buyer gets certainty, you get capital.
We keep you compliant. Grant financing comes with expert review of cost eligibility, so the money you're promised is the money you receive.
We decide fast, and humans sign off. AI does the reading and the math. Experienced credit professionals make the call.
We grow with you. Strong financing relationships can lead to equity conversations with our partner investment fund.
Made for founders with traction you can point to.
AI & SaaS
Web3
Fintech
Seed to Series B
- Operating in or selling into the EU, Western Balkans or UAE
- At least one of: a signed contract, an approved grant, a growing compute bill, or a working acquisition channel
Not a fit (yet): pre-product ideas or companies looking to fund losses without a defined source of repayment. For those, equity is the right tool, and we're happy to say so.
Founding cohort
Join the founding cohort.
We're opening SFTX to a limited group of founders before public launch. Founding cohort members help shape our products and get priority review, preferential pricing on their first facility and direct access to our credit team.
- Priority review for your first financing request
- Founding-cohort pricing on your first facility
- A direct line to the credit team, not a ticket queue
- Input into which products we launch first
Prefer to write to us first? Use the form and we'll reply by email.
Tell us what you'd finance first. It takes 3 minutes.
FAQ
Questions, answered.
You've already done the hard part.
Let the cash you've earned fund what comes next.