Borrowers/Solstice Cloud Software Ltd

Solstice Cloud Software Ltd

B2B SaaS · United Kingdom

CRR-1Bpreviously CRR-1C
Live · as of 30 Jun 2026Financials through Jun 2026

Overview

Original loan (LC)

£3M

Date committed

1 Nov 2023

Maturity

1 Nov 2027

Reported cash

£729.1K

Loan balance

£2.6M

% outstanding

88.0%

Amt at risk (LC)

£264K

% at risk

10.0%

W. interest %

9.5%

Credit & Runway

T3M EBITDA burn avg

(£77.1K)

RML (runway, current)

n/a

T3M cash burn avg

(£56.3K)

Cash-out date

n/a

excl. debt service

n/a incl. debt service

cash generative — no cash-out
0 mo6 mo12 mo18 mo+

Today → cash-out → maturity

TodayMaturity

Performance

Revenue vs EBITDA

Cash vs Debt

Maturity Nov 2027 (+17mo) — beyond chart window

Customer Movement

New vs churned per month · net line

CRR Migration

24 months · rating changed over the window

Key Metrics

as of Q2 2026 · comparisons vs prior quarter

Portfolio-standard

ARR

£4.5M

+£238.3Kvs prior quarter

Growth

31.3%

-4.7ppvs prior quarter

NRR

114.0%

-0.0ppvs prior quarter

Rule of 40

53.3%

-1.6ppvs prior quarter

Gross annualised churn

0.8%

+0.0ppvs prior quarter

Burn multiple

0.0x

+0.0xvs prior quarter

Retention movement

Upsell

2.4%

Downsell

0.5%

Annualised, same base as gross churn: NRR ≈ 100% + upsell − downsell − gross churn.

Company-specific

CAC

£4.5K

+£1.2Kvs prior quarter

ARPA

£27.3K

-£223.5vs prior quarter

ARR / FTE

£77.7K

+£97.4vs prior quarter

Detail

Monthly Financial Detail

24 monthly periods · 8 quarter subtotals · T12M · GBP

Line ItemJul 24Aug 24Sept 24Q3 2024Oct 24Nov 24Dec 24Q4 2024Jan 25Feb 25Mar 25Q1 2025Apr 25May 25Jun 25Q2 2025Jul 25Aug 25Sept 25Q3 2025Oct 25Nov 25Dec 25Q4 2025Jan 26Feb 26Mar 26Q1 2026Apr 26May 26Jun 26Q2 2026T12M
ARR£2.4M£2.5M£2.6M£2.6M£2.7M£2.7M£2.9M£2.9M£2.9M£3.1M£3.1M£3.1M£3.2M£3.3M£3.4M£3.4M£3.5M£3.6M£3.7M£3.7M£3.8M£3.9M£4M£4M£4.1M£4.1M£4.3M£4.3M£4.4M£4.4M£4.5M£4.5M£4.5M
YoY %45.5%46.0%43.9%40.4%41.8%38.0%37.7%34.1%36.0%34.1%31.7%31.3%
Revenue£200.3K£205.6K£214.3K£620.2K£223.9K£228.9K£239.7K£692.5K£245.4K£255.7K£261.3K£762.4K£270.4K£277.8K£285.8K£834K£291.5K£300.1K£308.4K£900K£314.4K£324.5K£331K£969.8K£337.9K£343.1K£355.5K£1M£362.6K£365.8K£375.3K£1.1M£4M
YoY %45.5%46.0%43.9%40.4%41.8%38.0%37.7%34.1%36.0%34.1%31.7%31.3%
Gross Margin %76.0%76.3%76.5%76.3%76.8%77.0%77.3%77.0%77.6%77.8%78.1%77.8%78.3%78.6%78.9%78.6%79.1%79.4%79.7%79.4%79.9%80.2%80.4%80.2%80.7%81.0%81.2%81.0%81.5%81.7%82.0%81.7%80.6%
OpEx-£156.3K-£158.9K-£163.7K-£478.9K-£169.4K-£171.3K-£177.6K-£518.3K-£180K-£185.4K-£187.5K-£552.9K-£191.7K-£194.9K-£198.4K-£585.1K-£199.9K-£203.6K-£206.9K-£610.4K-£208.3K-£212.5K-£214K-£634.8K-£216K-£216.7K-£221.6K-£654.3K-£223.3K-£222.2K-£225.2K-£670.7K-£2.6M
EBITDA-£4K-£2K£186-£5.8K£2.5K£5K£7.7K£15.2K£10.5K£13.6K£16.6K£40.6K£20K£23.4K£27.1K£70.5K£30.7K£34.7K£38.9K£104.3K£42.9K£47.7K£52.1K£142.7K£56.7K£61.2K£67.1K£184.9K£72.2K£76.7K£82.6K£231.4K£663.3K
EBITDA Margin %-2.0%-1.0%0.1%1.1%2.2%3.2%4.3%5.3%6.3%7.4%8.4%9.5%10.5%11.6%12.6%13.7%14.7%15.7%16.8%17.8%18.9%19.9%21.0%22.0%
Operating Cash Burn (CF)-£27.1K-£25.6K-£23.5K-£76.2K-£21.8K-£19.1K-£14.9K-£55.9K-£13.2K-£8.6K-£6.9K-£28.7K-£2.9K£911£4.2K£2.3K£9.3K£11.5K£15.7K£36.5K£21.3K£24.2K£31.6K£77.1K£34.5K£38K£46.2K£118.7K£50.1K£56.2K£62.7K£169K£401.4K
CF from Investments-£3K-£3.1K-£3.2K-£9.3K-£3.4K-£3.4K-£3.6K-£10.4K-£3.7K-£3.8K-£3.9K-£11.4K-£4.1K-£4.2K-£4.3K-£12.5K-£4.4K-£4.5K-£4.6K-£13.5K-£4.7K-£4.9K-£5K-£14.5K-£5.1K-£5.1K-£5.3K-£15.5K-£5.4K-£5.5K-£5.6K-£16.6K-£60.1K
New Equity (CF)£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0£0
Cash (BS)£904.9K£861.2K£819.5K£819.5K£779.3K£741.8K£708.2K£708.2K£676.3K£648.9K£623.1K£623.1K£601.2K£582.9K£567.9K£567.9K£557.8K£549.8K£545.9K£545.9K£547.5K£551.9K£563.5K£563.5K£578K£595.8K£621.7K£621.7K£651.3K£687K£729.1K£729.1K£729.1K
Debt (BS)£3M£3M£3M£3M£2.9M£2.9M£2.9M£2.9M£2.9M£2.9M£2.9M£2.9M£2.9M£2.8M£2.8M£2.8M£2.8M£2.8M£2.8M£2.8M£2.8M£2.7M£2.7M£2.7M£2.7M£2.7M£2.7M£2.7M£2.7M£2.7M£2.6M£2.6M£2.6M
RML33.4 mo33.6 mo34.9 mo35.7 mo38.7 mo47.5 mo51.1 mo75.5 mo90.4 mo210.4 mon/an/an/an/an/an/an/an/an/an/an/an/an/an/a
Costs and outflows carry a minus sign; colour is reserved for the YoY rows. Quarter subtotals and T12M sourced from the QPR calculation engine — never hardcoded.

Balance-Sheet Changes

24 monthly movements · GBP

Line ItemJul 24Aug 24Sept 24Oct 24Nov 24Dec 24Jan 25Feb 25Mar 25Apr 25May 25Jun 25Jul 25Aug 25Sept 25Oct 25Nov 25Dec 25Jan 26Feb 26Mar 26Apr 26May 26Jun 26
Trade Receivables£0£3.2K£5.2K£5.8K£3K£6.5K£3.4K£6.2K£3.3K£5.5K£4.4K£4.8K£3.4K£5.1K£5K£3.6K£6.1K£3.9K£4.1K£3.1K£7.4K£4.2K£2K£5.7K
Trade Payables£0£1K£1.9K£2.3K£751£2.5K£949£2.2K£830£1.7K£1.3K£1.4K£605£1.5K£1.3K£549£1.7K£581£783£309£1.9K£687-£430£1.2K
Deferred Revenue£0£5.1K£8.3K£9.2K£4.8K£10.4K£5.4K£9.9K£5.3K£8.8K£7K£7.7K£5.5K£8.2K£7.9K£5.8K£9.7K£6.2K£6.6K£5K£11.9K£6.8K£3.1K£9.1K
Cash£0-£43.7K-£41.7K-£40.2K-£37.6K-£33.5K-£31.9K-£27.4K-£25.8K-£21.9K-£18.3K-£15.1K-£10.1K-£8K-£3.9K£1.6K£4.4K£11.6K£14.5K£17.8K£25.9K£29.6K£35.7K£42.1K
Debt£0-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K-£15K
Month-over-month movement (deltas), not balances. Outflows carry a minus sign.

Quarter Update

Auto-drafted from this quarter's figures — review before use.

Solstice Cloud Software Ltd closed the period with ARR of £4.5M (31.3% YoY), a Rule of 40 score of 53.3% and a burn multiple of 0.0x.

Operating cash burn has improved for the 23rd consecutive month, averaging -£56.3K over the last three months. Runway stands at n/a, with cash-out projected n/a.

Gross annualised churn stands at 0.8% against net revenue retention of 114.0%.

Credit rating unchanged at CRR-1B since Mar 2025 (upgraded from CRR-1C).

Analyst Notes

  • Priya Nair24 Jun 2026

    Q2 management accounts reconcile to the monthly reporting pack — cash bridge ties out with no unexplained movements. Comfortable with the reported position for this review.

  • Tom Beckett11 Jun 2026

    Flagged the step-up in S&M spend in the trailing quarter; management confirm it is front-loaded pipeline investment rather than a run-rate change. Revisit at the next review.

Try asking
Data freshness3 feeds need attention

08:04 GMT

Last sync · 13/15 borrower feeds synced

Portfolio Reporting by PMI Stack