Tree of Life FundingTree of Life
Funding

Capital That Powers Your Tech Business Growth

Technology companies need to invest in talent, infrastructure, and innovation to stay competitive. We provide funding that helps IT businesses scale operations, hire developers, and pursue enterprise contracts.

Funding from $25,000 to $750,000
Decisions in as little as 24 hours
We understand tech company economics
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How much funding do you need?

Drag the slider or type an amount

$
$10K$5M

Applying is free and won't impact your credit score

From Application to Funding at Tech Speed

Quick Application
Quick Application

Share your service offerings, client base, and what you need funding for. We understand managed services, software, and IT consulting.

Fast Review
Fast Review - Compare Offers

We assess your business with knowledge of recurring revenue, contract values, and the economics of technology service businesses.

Choose Your Terms
Choose Your Terms

Review multiple funding offers with different structures. Pick what aligns with your revenue model and growth plans.

Get Building
Get Approved

Funds arrive quickly—often within 24-48 hours. Hire developers, invest in infrastructure, or pursue that enterprise deal.

Why IT Companies Choose Us for Growth Capital

We Understand Recurring Revenue Models

MSP contracts, SaaS subscriptions, and managed services create predictable but sometimes delayed revenue. We value this appropriately.

Talent Investment Support

Hiring and retaining skilled developers and engineers requires competitive compensation. Working capital supports your team building.

Infrastructure Scaling

Server capacity, cloud infrastructure, and tooling require ongoing investment. Our financing helps you scale to meet client demands.

All Tech Services Welcome

Managed service providers, software companies, IT consultants, cybersecurity firms, web agencies—we fund the full IT spectrum.

Enterprise Contract Support

Landing larger enterprise clients requires capacity before revenue arrives. Our funding helps you scale for bigger opportunities.

Fast Decisions for Fast Industry

Tech opportunities move quickly and talent does not wait. Our speed matches the urgency of the technology sector.

Funding Built for Technology Business Realities

Whether you need to hire engineers, invest in infrastructure, or bridge cash flow while scaling, we have funding solutions designed for IT companies.

Tech company leader

Technology businesses face unique scaling pressures. Talent costs are high and competitive. Infrastructure requires constant investment. Enterprise sales cycles take time while expenses continue. We have spent years learning tech business economics so we can provide capital that helps you scale from startup to enterprise.

IT Business Funding Overview

We offer multiple products to address different tech company needs. Some companies need working capital for hiring. Others need equipment financing for infrastructure. Many use a combination as they scale.

Most IT companies qualify for multiple products. Your funding advisor will help compare options and recommend the best approach.

Loan Amounts
Rates
$25,000 to $750,000
Starting at 1% monthly
Terms
Speed
3 months to 5 years
24 hours to 7 business days

How Credit Affects IT Company Financing

Your personal credit score is one factor, but not everything. We evaluate the complete picture: recurring revenue, contract roster, client quality, and overall business performance.

Recurring revenue and MRR demonstrate stability
Enterprise client relationships show business maturity
Contract values and retention rates matter
Technical team and delivery capability count

Good News

IT company owners with credit scores in the 500s regularly qualify for funding when they demonstrate solid recurring revenue and healthy client relationships. Your business model tells the story.

Strong Credit Profile

Access to lowest rates, longest terms, highest amounts

Good credit score indicator showing 700

Challenged Credit

Multiple options available based on business performance

Bad credit score indicator showing 502

IT Industry Funding Insights

$500B+

annual US IT services market. Growing demand for managed services and cybersecurity creates opportunities for well-capitalized IT companies.

(Source: Gartner)

70%+

of MSP revenue comes from recurring contracts. This predictable revenue model makes IT companies strong candidates for growth financing.

(Source: Channel Futures)

$100K+

average annual cost per developer. Strategic financing helps IT companies build teams without depleting working capital.

(Source: Bureau of Labor Statistics)

Evaluating IT Business Financing

PROS

Hire and retain technical talent

Invest in infrastructure and equipment

Bridge enterprise sales cycles

Scale capacity for larger contracts

Pursue acquisitions and expansion

Build credit history for better future terms

CONS

Financing costs reduce overall margin

Some products require frequent payments

Personal guarantees may be required

Fast funding options typically cost more

Compare IT Business Funding Options

Loan TypeMax AmountRatesSpeed
Revenue-Based Financing$25K to $500K1% to 5% monthly1 to 3 days
Working Capital Loan$25K to $500K1% to 3% monthly24 to 48 hours
Business Line of Credit$25K to $300K1% to 3% monthly1 to 3 days
Equipment Financing$25K to $300K6% to 18% APR3 to 7 days
Business Term Loan$50K to $750K8% to 20% APR3 to 7 days

IT Company Qualification Requirements

$20K+

Monthly Revenue

500+

Credit Score

1+ year

Time in Business

Get Funding for Your IT Company

Apply today and receive funding decisions quickly. Our team understands technology financing and recurring revenue business models.

Start Your Application
Step 1: Apply Online
Apply for Funding

Complete a short application about your company, including your service offerings, monthly revenue, and funding needs.

Step 2: Submit Documents
Submit Documents

Upload recent bank statements and basic business information. We review them with an understanding of tech business patterns.

Step 3: Get Funded
Compare and Choose Offers

Review your offers, choose the best fit, and receive funds. Most IT companies get funded within 24 to 48 hours.

FAQs

IT Business Financing Questions

We fund managed service providers, software companies, IT consultants, cybersecurity firms, web agencies, SaaS companies, and all types of technology service businesses.

Yes, we value MSP contracts, SaaS subscriptions, and managed services appropriately. Recurring revenue is a strength in our evaluation.

Absolutely. Working capital for developer salaries, contractor costs, and talent acquisition is one of the most common uses for IT company funding.

We understand that enterprise deals take time. Our products can bridge the gap between sales effort and contract revenue.

We generally require at least 12 months of operations and consistent revenue. Early-stage companies may have limited options.

It matters, but business performance often outweighs credit challenges. Strong recurring revenue and healthy contracts matter significantly.

Many IT companies receive funding the same day or next business day after approval. Equipment financing takes slightly longer.

Basic requirements include 3-6 months of bank statements, a valid ID, and proof of business ownership.

Ready to Scale Your Tech Business?

Whether you need to hire developers, invest in infrastructure, or pursue growth opportunities, our team specializes in IT company financing.

Contact Us

Questions? Get in touch!

submit@treeoflifefunding.com

Phone

Monday through Friday, 9am to 6pm ET

347-352-5210
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How much funding do you need?

Drag the slider or type an amount

$
$10K$5M

Applying is free and won't impact your credit score