Has anyone used those SaaS financing options where you leverage your MRR into lump sum of your ARR? Any services to recommend?

Pipe is really popular now. I haven't used them but I know others that have. Lighter Capital has a good reputation for revenue based financing but it's closer to debt financing than what you're describing.

I tried Pipe but didn't get anything out of it. I'll have a look at the other one you suggested, thanks

Oh okay. If the monthly paying customers are on annual contracts, you may be able to use a regular receivables factoring provider. Those companies operate mostly outside of SaaS and don't really get our business model, so know it's a long shot. Good luck!