Guli Moreno

Capchase Expense Financing - Buy now, pay later for your business spend

Introducing Capchase Expense Financing! ๐Ÿš€ Pay large bills over time. Built for tech companies! ๐Ÿ˜Ž:
โœ… Finance large bills on your own terms, and smooth out your cash flows.
โœ… Capchase pays upfront for your AWS, Ad spend, software, etc. and you pay monthly!

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Guli Moreno
Hey Product Hunters! Excited to launch something new with Capchase! Weโ€™re calling it Expense Financing, and itโ€™s here to help foundersโ€ฆ finance their startupโ€™s expenses (clever name, right? Weโ€™re looking for a VP of Marketing ๐Ÿ˜). ๐Ÿค” Problem We started Capchase with the goal of helping startups grow faster without dilution, by pulling their future revenues to the present. While talking to our customers about how theyโ€™d like to manage their cash flow, we saw they often have large expenses in Cloud, Ads or Payroll that they need to smooth out to keep their cash flow goals. So, it became evident we needed a product to help them push their present expenses to the future. ๐Ÿ›  Solution So weโ€™ve built exactly that. We want to help other founders and exec teams pay that legal bill, that AWS cloud fee, payroll even, by creating a solution that spreads out these payments over time and frees up cash. Capchase pays upfront for you (so you can get that yearly discount ๐Ÿค‘), and then you pay back monthly - best of both worlds (seriously, I cannot believe a solution to this is not in-market yet ๐Ÿ˜…). Smarter cash management is the guiding north star principle weโ€™re instilling at Capchase, so expense financing seemed like a no-brainer evolution of our solution portfolio for tech companies. Join the waitlist now for $50k in free financing! https://www.capchase.com/expense... Let me know what you think!๐Ÿ˜Š ๐Ÿ’– Special thanks to all of those at Capchase who made this happen, too many to mention by name, but Iโ€™d be remiss not to mention my 3 other co-founders, Miguel, Przemek and Luis, and the whole Product and Eng team that has put this together in record time!
Nikhil Agrawal
@ignacio_guli_moreno Interesting Idea, Do founder have to pay later with interest fees? How will you make sure founder pays you back?
Guli Moreno
@nikhil_agrawal, yes! essentially founders pay back a bit more than what they were credited. The amount depends on the terms they choose, but it's a very competitive fee ๐Ÿ˜Š
Luis Basagoiti Marques
If founders had to pick the biggest pain they deal with, that'd be probably fundraising. Increasing cash availability today to avoid fundraising can be done in two ways: 1/ you increase revenue (surprise surprise - we have a Revenue financing product that pulls future revenue to the present) or 2/ you decrease expenses by spreading them out over time Using these tools, any recurring revenue company can reinvest more $ today to accelerate growth, increase valuation, and avoid dilution. Dilution is not the solution!
Pete Moses
This is incredible, I hate trading off paying monthly for stuff if I want a discount - can you do both with this?
Guli Moreno
@pete_moses Yes! The cool thing is we can pay yearly upfront for you, you get the discount (which is typically significantly higher than our fee) while still paying monthly. Almost a no-brainer! ๐Ÿ‘
Miguel Fernรกndez
When we started Capchase we just wanted to enable Founders to focus on building great businesses without having to worry about cash availability and predictability. Our first product helps to pull revenues forward and fund growth without using cash, and this one pushes expenses to the future to smooth out burn. When we raised our seed last year, I remember we had to pay $25k+ to lawyers straight away. And when we pay our salesreps their hard earned commissions, we always pay on the month of closing, even if revenues come later in the year. Those are two of the many instances in which I always wanted to spread out the expenses across several installments. I'm so pumped that we released this product to help other founders solve this moving forward. Companies that start using Capchase grow 53% faster than before and have cumulatively added over 3,000 months of runway! We can't wait to change the lives of more founders
Roman Escolano
Wow super useful tool! This will for sure lighten the financial burden of many companies ๐Ÿš€
Miguel Iglesias
Game changing business, and stellar execution based off of what I'm reading here and online, congratulations to the Capchase team. Is this, or will this be available to companies globally?
Guli Moreno
@miguel_iglesias Right now it's available in US, Spain and UK, and rolling out across Europe now!
Jamie Parker
This is awesome guys! Huge congrats
Guillermo Blanco Benedicto
wow this sounds great! what kind of companies can benefit from it?
Guli Moreno
@guilleblanco we've built this for tech companies with predictable revenues that want to get ahead of their expenses. In terms of industry/stage, we're pretty agnostic. We're currently working with companies in several industries and from <$1M to +$100M in ARR.
Guli Moreno
@guilleblanco Oh, and geo-wise we're live in the US and starting out in Europe, too. We're working with companies in the US, Spain, UK and more!
Carmen Vรกzquez de Castro
Congrats! Amazing team behind the product.
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Looks awesome! In which geographies is it available as of now?
Guli Moreno
@gocheck Thanks!! Right now we're operating in the US, UK and Spain, and rolling our across Europe as we speak! ๐ŸŒŽ
Ana Estrada
Exciting!! ๐Ÿ‘๐Ÿฅณ
Marcos Cisneros
This is not only a huge step for Capchase but for all the recurring revenue companies that want to smooth their cash flows and avoid large immediate outflows to reinvest their own $ in what really matters, growth! Congrats team!! ๐ŸŽ‰๐ŸŽŠ
Carlos Horno Santacruz
This new Product is amazing! You guys are doing incredible things Keep Pushing ๐Ÿš€
Daniel Seijo
Great team, great timing and great solution for funding saas.
Alice Rodgers
What a wide range of intergations! great job!
Mike Ivars
Congrats @miguel_fernandez6 It's a great idea! ..is the B2B Klarna.. I love it.
Miguel Fernรกndez
@ivarsmas Exactly Mike, imagine being able to pay *any* expense in your terms
Ashley Porciuncula
Congratulations on your launch guys
Oxana Pangina
This is super helpful! Both finance and strategy wise, much easier to plan ahead
Jorge
Incredible idea! This will be very helpfull for a lot of companies in order to have a better & personalized distribution of their cashflows!
Nic Mahaney
Awesome product! Congrats on the launch