Growth finance explained: the funding options most B2B founders miss

Most B2B founders default to equity because it is the only funding type they actually understand. That defaults a lot of value into the wrong instrument. In 2026 the menu of growth finance options is wider and cheaper than at any point in the last decade.

Revenue-based financing is the most underused. You sell a slice of future revenue for upfront capital — no equity, no board seat, no warrants if structured well. For ARR businesses with predictable retention, it is often the cheapest growth capital available.

Venture debt sits alongside an equity round, typically 25–35% of the latest round size, and extends runway without re-pricing. Used badly, it stacks risk. Used well, it buys the time to grow into the last valuation.

Receivables and invoice finance unlock the cash trapped in 60-day terms. For B2B services and infrastructure businesses, this is often the highest ROI capital they will ever raise.

Equipment, infrastructure, and tax-credit financing are specific but powerful. R&D tax credit lending alone has saved more UK SaaS companies than founders realise.

The point of Growth Broker is not to pick one. It is to package your business case so the right lenders see you on the right terms in the right week. The wrong instrument at the wrong moment is the most expensive mistake in finance.