Debt Financing for Startups

The new way to fund your startup without dilution

Growth Loan

The first real alternative to Venture Debt

A clean deal

100% non-dilutive

No convertible elements, warrants, equity kickers or hidden fee’s.

Long loans to invest

Interest only up to 2 years

Pay only interest for first two years, and repay over the following four.  Allowing you to invest in growth and repay when you achieve it.

Whenever you want

Not contingent on equity

The Gilion Loan is accessible outside of equity rounds, most commonly used to hit valuation milestones leading up to a fundraise.

Hendrik Jacobsson

Founder & CEO
HaileyHR

Read case

Companies we’ve funded


Gilion has funded numerous successful companies across Europe.

More data, flowing in realtime, processed by advanced AI-models – allows for a more accurate view on risk in early stage. Read about the entrepreneurs who leveraged Gilion for their growth below.

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Meet your new devoted partner


Find a partner in your home market who matches your energy

The Gilion team is known for their energy, empathy and deep understanding of scaling startups. Entrepreneurs save years in communication when when partnering with us, as we all speak the same language.

Meet the team

Primarily SaaS

SaaS, Consumer Subscription or tech businesses with significant recurring or predictable revenue.

ARR of 1M+

Annual Recurring Revenue greater than EUR 1 million.

Underlying profitability

With our loan, you have the ability to turn turn cash flow positive within 24 months.

The Growth Loan

AI reduces risk

What a lender doesn't understand is automatically seen as a risk. Startups are by nature hard to understand, hence passed off or treated as risky. At Gilion we are training the most advanced AI models in the credit field with vast business critical data, enabling us to offer terms that nobody else can.

A clean deal, 100% non-dilutive

We know that every percentage adds up throughout ambitious growth journeys. That is why the Growth Loan has no convertible elements, warrants, equity kickers or hidden fees. It is 100% non-dilutive, minimising both cost of capital and complexity down the line.

Sometimes bigger is better

Lending is fundamentally built on trust. The greater the trust, the greater the lending potential. At Gilion, we combine personal, in-depth interactions with advanced data analytics to thoroughly understand your businesses. This unique approach allows us to provide precisely the right amount of capital for you to achieve your goals.

TICKET SIZE
Up to 100% of ARR

Our loans are long, so what?

One of the most crucial decisions as a borrower, often even more important than the interest rate, is the loan structure. For instance, with a typical revenue-based loan, high fees and rapid repayment can leave you with less cash than you started with after 12 months.

Introducing the Growth Loan: it offers two unique features. First, you won’t start repaying for up to the initial two years. After that, you have the flexibility to repay in straight installments over up to four years. This means you can retain twice the amount of cash after two years compared to a similar-sized bank loan, offering a stark contrast to revenue-based or traditional SME loans.

INTEREST ONLY
Up to 2 years
AMORITISATION
Up to 4 years

The lowest cost of capital

Our competition will tout their low fees. The problem with RBF’s is that they will charge that fee at every single repayment, resulting in an actual annual interest rate of over 20%.

At Gilion, we transparently disclose the annual cost, which you pay as a standard interest rate. Unlike others, who add warrants or convertibles on top of interest, our model is straightforward. When you calculate the total cost of capital with others, it often exceeds 20%. We only charge interest, resulting in a significantly lower overall cost of capital.