Services/Non-Dilutive Funding

Non-Dilutive Funding: Capital Without Giving Up Equity

Non-dilutive funding is capital you raise without selling ownership. No equity, no board seats, no liquidation preferences, no investor consent rights over how you run the company. For a founder with real revenue, this is often the better trade: equity is the most expensive capital there is, and selling 15% of a company to bridge a nine-month gap is a permanent price for a temporary problem. Y Millennial Funding provides revenue-based, non-dilutive capital to companies generating $25,000 or more in monthly revenue — including software, AI and technology services, healthcare technology, and service businesses.

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How It Works

Underwriting looks at your revenue rather than your cap table: recent bank deposits, revenue consistency, and the trajectory those show. There is no pitch deck, no diligence process running eight weeks, and no partner meeting. Send bank statements, get a decision — same-day for eligible applications, funding as fast as 24 hours. Capital is repaid as a fixed daily or weekly remittance or a share of revenue, and when it is repaid the relationship ends. You still own what you owned. Not all applicants qualify.

Who It's For

Founders and operators with revenue who need capital for a specific, bounded purpose — a hiring push, a contract that requires upfront cost, infrastructure or compute spend, a bridge between funding rounds, or growth that is currently capped by cash rather than demand. It fits companies that are post-revenue and pre-exit and do not want to price a round, reset a valuation, or add investors to the decision-making table.

Key Benefits

No equity dilution and no board seats. No valuation event — useful when your last round was priced higher than the market would price you today. Speed measured in days rather than months. Underwriting on revenue rather than credit score, pitch quality, or investor introductions. A direct funder, not a broker chain shopping your financials.

Common Uses

Hiring ahead of contracted revenue, infrastructure and compute costs, sales and marketing spend with measurable payback, inventory or hardware, bridging between rounds, and covering the gap when enterprise customers pay on net-60 or net-90 terms.

Qualification

Generally $25,000 or more in monthly revenue and an active business bank account. Underwriting is driven by deposit patterns and revenue consistency rather than credit score, profitability, or investor backing. Not all applicants qualify.

Repayment

A fixed daily or weekly remittance, or a share of revenue, sized to your deposits — for a defined term, after which the obligation is complete.

Why Banks Fall Short

Venture capital is not designed for bounded working capital needs; it is designed to buy ownership in outcomes, and it prices accordingly. Venture debt generally requires an existing institutional round. Banks want collateral, profitability, and multi-year history that growth-stage companies rarely have. Revenue-based non-dilutive funding sits in the gap: fast capital priced as capital, not as ownership.

Frequently Asked Questions

Common questions about non-dilutive funding.

Helpful Tools

Free resources to help you understand and plan your merchant cash advance.

Eligibility Checker

5-minute pre-qualification assessment with no credit pull.

MCA Calculator

Estimate payments, factor-rate cost, APR, and term length.

Stacking Calculator

Analyze capacity for multiple MCA positions.

How MCA Works

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MCA Disclosures

Important terms and information.

Industries We Fund

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