Lendity

Lendity is a Swiss financial technology company specializing in tech-enabled private debt. The firm provides non-dilutive, flexible growth capital to technology scale-ups, enabling them to finance growth-related activities such as client acquisition, marketing, and geographic expansion without giving up equity. Lendity's financing is structured as a committed term loan, with tenors of up to five years, and is targeted at companies that are post-product-market fit with annual revenues of at least EUR/CHF 1 million.

Founded in 2018 by Rafael Karamanian, Lendity was incubated by Tenity (formerly F10), a prominent Fintech accelerator in Switzerland. Karamanian, the Founding and Managing Partner, has a background in investment and finance from his time at Credit Suisse in New York and Zurich, coupled with an MBA in Entrepreneurship and Corporate Finance. The company's business model is centered on leveraging data and technology to offer tailored financing solutions, positioning itself as a complementary partner to venture capital by providing an alternative to dilutive equity funding. Lendity serves tech scaleups, including those in the B2B SaaS and Hardware-as-a-Service sectors, offering a streamlined process to access long-term capital.

Keywords: private debt, non-dilutive financing, growth capital, tech scaleups, venture debt, financial technology, term loans, SaaS financing, revenue-based financing, corporate finance, asset-backed lending, alternative financing, European startups, Swiss fintech, growth loans, business development funding, M&A financing, runway extension, flexible payback, capital solutions