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Efficient Capital Labs (ECL) is a fintech company based in New York, founded in 2022 by Kaustav Das and Manish Arora. The company specializes in providing fast, non-dilutive revenue-based financing to global B2B SaaS and AI companies, particularly those operating between the U.S., India, and Southeast Asia. ECL aims to deliver "Fuel Without Friction," offering tech-enabled capital that helps businesses scale without losing equity. ECL's core service is revenue-based financing, which allows companies to convert future Annual Recurring Revenue (ARR) into upfront capital. The funding process is efficient, with decisions made within 72 hours using a proprietary underwriting model. ECL can advance up to 60-65% of a company's ARR, with a fee structure that includes a flat fee over approximately 12 months. The company also supports multi-currency lending, making it suitable for firms with operations in both the U.S. and South Asia. ECL has deployed over $100 million across numerous high-growth startups and has received industry recognition for its innovative lending solutions.