Viceversa provides revenue‑based financing for European digital businesses, offering capital from €10 k to several million euros without taking equity or requiring personal guarantees. By securely connecting to a company's sales, marketing, and banking data, its AI engine generates customized funding offers within three days, with repayment tied to a small percentage of future revenue, and includes a Stripe‑backed virtual card and the Pulse analytics dashboard for spend optimization.
Funding
$11M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
5OCVFounders
Product
Problem
Digital businesses often struggle to obtain growth capital because traditional financing requires equity dilution, personal guarantees, or lengthy approval processes, which can delay expansion and limit cash flow flexibility.
Solution
Viceversa offers revenue‑based financing that provides flexible capital ranging from €10 k to several million euros without taking equity or requiring guarantors. Companies connect their sales, marketing, and banking accounts, allowing Viceversa’s AI engine to analyze real‑time performance data and generate tailored funding offers within three days. Approved funds are delivered instantly via a virtual Stripe‑backed card, enabling immediate investment in marketing, inventory, or operational expenses. Repayment is tied to a small, predefined percentage of future revenues, eliminating fixed debt schedules and aligning the lender’s success with the business’s growth. An integrated analytics platform, Pulse, delivers actionable insights to help businesses optimize spending and forecast cash flow.
Target Audience
Primary customers are European SaaS providers, online retailers, subscription services, and marketplace platforms that have at least six months of revenue and a monthly turnover of €10 k or more.
Features
- AI‑driven underwriting that evaluates sales, ad spend, and financial data to produce customized funding offers in under 3 days
- Equity‑free, guarantee‑free financing with repayment based on a fixed revenue share
- Virtual card powered by Stripe for instant access to capital and streamlined expense management
- Real‑time analytics dashboard (Pulse) offering KPI tracking, predictive insights, and spend efficiency recommendations
- Seamless integration with e‑commerce and SaaS platforms (Shopify, WooCommerce, Facebook Ads, Google Ads, etc.)
- Secure data handling with end‑to‑end encryption and no data resale