Blog

The Optimal Use of Debt in a SaaS Business A Guest Post by: Todd Gardner SaaS Advisor Ltd. Todd is an innovative advisor to SaaS companies on growth strategies. Until a few years ago when the SaaS lending space really took off, there were very few options for a SaaS company to fund its growthRead more

How Much Debt is Too Much Debt for a SaaS Company? A Guest Post by: Todd Gardner, SaaS Advisor Ltd. Todd is an innovative advisor to SaaS companies on growth strategies Debt is a great way to fund a SaaS company — it allows shareholders to maintain their ownership position yet still fund their growthRead more

Churn – Measurable, Understandable, and Yes, Manageable Let’s dive a little deeper into understanding your Revenue Retention metric’s behavior. I called Net Retention the most important metric for ensuring medium and long-term SaaS business health in my last post.  Putting this powerful metric to use requires understanding the opportunities and challenges present in each ofRead more

Net Retention: The Most Important Metric For Ensuring Medium and Long-Term SaaS Business Health In my last post, I talked about understanding the ‘behavior’ or characteristics of your SaaS company’s revenue and the importance of analyzing each element. Understanding and analyzing your revenue elements focuses on those elements that present the most opportunity and challengesRead more

Metrics in a SaaS Environment by Mike Temple SaaS Is a Unique Animal Software-as-a-Service (“SaaS”) businesses are incredibly simple in most of their elements. There’s no inventory, no supply chain, no bills of materials, no labor and overhead allocation, and comparatively low capital budgets. However, SaaS businesses are unique and complex in two critical areas:Read more

The Latest PPP Loan Revisions that Borrowers Need to Understand It seems that much of the PPP- induced anxiety has dissipated over the last few weeks. Maybe it is the impact of the borrower favorable provisions of the Paycheck Protection Program Flexibility Act, the fact that most borrowers who sought funds have now received them,Read more

PPP Flexibility Act How it alters the provisions of PPP Loan Forgiveness   Last night, the Senate passed the House bill, called the Paycheck Protection Flexibility Act, and passed it to the President for signature. The bill, which the President is expected to sign, significantly alters provisions of the PPP loan forgiveness. The changes includeRead more

PPP Loan Forgiveness & Instructions Calculating loan forgiveness and potential adjustments for FTE and salary adjustments   The SBA published the Loan Forgiveness Application and accompanying instructions over the weekend. The application and instructions provide important definitions and information on calculating loan forgiveness and potential adjustments to forgiveness, such as the potential adjustments for FTERead more

How Will the SBA Review Borrower’s Good-Faith Certification of PPP Loans? Uncertain and confused seem to be the key words that describe how most borrowers under the PPP program are feeling since receiving their funding. The announcement by the SBA that they intended to audit all loans over $2.0MM, and that the audit would includeRead more

What to Know About the Paycheck Protection Program Use of Funds, Forgiveness & Documentation   We heard from many of our clients that they received confirmation from their lender that their PPP loan had been approved and an SBA number issued. Congratulations, this is great news! We also understand that not everyone was so fortunateRead more