Getting a tech start-up off the ground is equal parts challenge and exhilaration. Juggling the drive to deliver your vision, while searching for the right long-term financial partners can be tough. But it’s crucial to get this balance right in order to hit your growth milestones. We’ve recognised a market gap for tech start-ups ready for funding but not traditional bank debt. Filling this gap is what inspired our collaboration with Lighter Capital.

Meet Lighter Capital

Lighter Capital is a leading fintech lender that supports early stage tech-enabled (SaaS-based) companies. Founded in 2010 in the U.S. it now has a presence in both Canada and Australia – providing up to $4.25m revenue-based financing to meet the demanding working capital needs of this market.

A head start for your start-up

The collaboration between NAB and Lighter Capital is good news for early stage start-ups. It means:

  • access to potential funding solutions from Lighter Capital
  • access to a dedicated NAB small business specialist if you choose to open a NAB business transaction account
  • a seamless transition from Lighter Capital to NAB if you choose to bank with us down the track, as you grow
  • access to industry insights, resources and networking events.

Is my business eligible?

Lighter Capital’s products are designed to fill a specific gap in the market. You could be eligible if your business:

  • is a tech-based start-up (e.g. Software, SaaS, tech services)
  • has at least $20,000 monthly recurring revenue
  • has been operational for at least 12 months, with at least 6 months of recurring revenue
  • is based and incorporated in Australia.

Discover how Lighter Capital could help your start-up grow.

Get in touch

Contact us

Visit our business banking contact page for how-to-guides and FAQs, as well as contact numbers.

Visit a NAB branch

Our business bankers are located all around Australia.

Important information

NAB Ventures, the venture capital investment arm of the National Australia Bank Group (NAB Group), is a minority shareholder of Lighter Capital.

Lighter Capital remains a separate legal entity and is not a part of the NAB Group. The services and products offered by Lighter Capital are solely issued by Lighter Capital and do not represent deposits or other liabilities of the NAB Group. National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB) isn’t involved in the credit writing or decision making for Lighter Capital products.

NAB does not stand behind, guarantee or support the financial obligations of Lighter Capital.

There’s no commission paid between NAB and Lighter Capital.

The information contained in this website is current as at the time of publishing, and is of a general nature only. It doesn’t take into account your specific objectives, financial situation or needs. Before acting on anything you’ve read here, we recommend seeking independent legal, financial and taxation advice – to decide whether these products and offers are right for you.