TIMIA Capital

TIMIA Capital's Services

TIMIA Capital specializes in providing debt capital to B2B recurring revenue technology businesses with annual recurring revenue (ARR) between $2 million and $20 million. Their financing solutions are designed to help tech entrepreneurs retain equity and control over their businesses. TIMIA offers a range of debt products, including Interest Only Loans with a 2-3 year term and Amortized Loans with a 3-6 year term, featuring risk-adjusted rates from 14-18%. These loans are tailored based on the specific metrics of each company, and the firm provides upfront cash injections ranging from $500k to $10 million.

TIMIA Capital's Investment Strategy

Founded in 2015, TIMIA Capital has a robust investment strategy focused on recurring revenue B2B SaaS technology companies across Canada and the U.S. The firm uses a three-phase proprietary tech-enabled lending process to approve loans. TIMIA has invested in 80 portfolio companies and written $200 million in loan facilities, achieving 35 successful early exits. The firm targets companies undergoing strategic pivots, business model transformations, and those needing to extend their runway or delay equity raises. Recent investments include $3 million in VOXO, $4.5 million in BrightOrder, and $1 million in Gramercy Orthopedics.

TIMIA Capital's Impact on Portfolio Companies

TIMIA Capital's financing solutions have had a significant impact on their portfolio companies. On average, these companies experience a revenue growth of 57% year over year. By providing non-dilutive capital, TIMIA helps tech businesses sustainably grow their ARR and increase their valuations. The firm's flexible financing options enable companies to make strategic acquisitions, build sales and marketing engines, and buy out investors who have reached the end of their time horizons. TIMIA's approach allows companies to retain control and ownership while achieving their growth milestones.

TIMIA Capital's Loan Products

TIMIA Capital offers two primary types of loan products: Interest Only Loans and Amortized Loans. Interest Only Loans have a 2-3 year term with interest-only payments, offering an option to convert to an Amortized loan. Amortized Loans come with a 3-6 year term and feature risk-adjusted rates from 14-18%, with increasing principal payments over time. These loan products are designed to meet the unique needs of tech companies, providing the necessary capital to drive growth while allowing founders to maintain equity and control. TIMIA's loans are particularly beneficial for companies looking to strategically position themselves for acquisition or to undergo significant business transformations.

TIMIA Capital's Founding and Growth

Since its founding in 2015, TIMIA Capital has established itself as a leading provider of debt capital to B2B SaaS technology companies. The firm has invested in 80 companies and written $200 million in loan facilities. TIMIA's growth can be attributed to its tech-enabled lending process and its focus on providing flexible, non-dilutive financing solutions. The firm helps tech entrepreneurs extend their runway, grow their ARR, and delay equity raises until they can achieve higher valuations. TIMIA's success is reflected in its portfolio companies' average revenue growth of 57% year over year and its 35 successful early exits.