Technology & Software
Explore financing strategies for technology and software companies, with the structure matched to cash flow, assets, transaction purpose and timing.
Financing Starts With the Business Model
CMCC reviews the financing objective in the context of the company's cash flow, collateral, operating cycle, ownership and transaction structure. Industry labels help frame the review, but they do not replace underwriting.
- Acquisition and ownership transition
- Working capital and liquidity
- Equipment and vehicles
- Owner-occupied or investment real estate where applicable
- Debt restructuring and expansion
Have a Technology & Software scenario?
Send CMCC the non-sensitive facts and objective. We will identify the information needed for a proper initial review.
Request a Review →Technology & Software Companies: What Funding Sources Typically Look At
Software and technology companies often have little hard collateral, so funding sources lean on recurring revenue, customer retention and cash flow. The mix of subscription versus project revenue and the concentration of a few large customers are central to the discussion.
Common Financing Uses
- Acquiring a smaller software or IT services company
- Working capital to fund growth
- Hardware, infrastructure and office build-outs
- Buying out a founder or partner
Documentation Typically Requested
Monthly recurring revenue and churn, customer concentration, financial statements and details on any acquisition or buyout terms.
Illustrative Scenario
A managed-IT firm buying a competitor's client contracts might show how much of the revenue is recurring and its retention history.
Hypothetical example for illustration only. It is not a CMCC client, a prediction or an approval.
Financing paths and guides
Related industries
Match the Capital to the Business Need
The right structure depends on what the business is financing, how repayment is supported, the available collateral and the timing of the transaction.
Working Capital
See how this financing path may fit the transaction.
EXPLORE →SBA Financing
See how this financing path may fit the transaction.
EXPLORE →Commercial Lending
See how this financing path may fit the transaction.
EXPLORE →Ready to discuss a real Technology & Software request?
Start with a non-sensitive review or move directly to the commercial financing application.