Hum Capital
Hum Capital is an AI-powered funding platform that connects lower-middle-market companies seeking $1M-$50M in non-dilutive capital with 900+ institutional investors and lenders, while operating a direct lending arm (Hum Financial) and licensing its AI underwriting engine as enterprise SaaS.
- Company typePrivate
- Founded2019
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Hum Capital does
Hum Capital is an AI-powered funding platform founded in October 2019 (originally as Capital Technology Solutions, rebranded in June 2021) and headquartered in New York City. The company operates the Intelligent Capital Market (ICM), a two-sided marketplace that connects lower-middle-market companies seeking $1M-$50M in non-dilutive capital with 900+ institutional investors and lenders. Its proprietary Hum AI engine ingests real-time financial data through native integrations with QuickBooks, NetSuite, Stripe, and Plaid, analyzing 220+ data points per deal — including automated 3-statement models, cohort analysis, and management background profiling — to match companies against investor-specific underwriting criteria rather than relying on personal networks.
The company operates three integrated business lines: (1) the ICM marketplace generating capital introduction fees, (2) Hum Financial, a direct lending arm deploying institutional-grade debt capital from Hum's own balance sheet ($400M+ deployed since 2021 across 110+ borrowers, average facility $2.1M, terms 18-30 months, 21.3% lifetime-to-date annualized returns as of March 2025), and (3) Hum AI, which is being licensed as enterprise SaaS to financial institutions (first three-year agreement executed, two additional institutions in late-stage conversations). The platform is regulated through FINRA/SIPC-registered subsidiary ICM Capital Markets and holds SOC2 Type II certification. Supporting products include SmartRaise (rules-based eligibility), Instant Capital (working capital via Revenued partnership), and free educational tools (Max Debt Calculator, Cost of Equity Calculator).
Revenue derives from three streams: net interest income on direct loans via Hum Financial, transaction fees on marketplace capital introductions, and emerging enterprise SaaS subscriptions for Hum AI. The platform has facilitated $700M+ in capital commitments, with $401M+ deployed via the platform, $356M in qualified deal flow in Q2 2025 alone, and 4,000+ companies plus 6,000+ companies and investors on the combined platform. Total equity funding raised is approximately $35M across seed and Series A rounds (Future Ventures, Invesco Private Capital, Cowen, Partech, Wavemaker, Greycroft, Bonfire, Draper), augmented by a $200M debt facility from Synovus Bank and InterVest Capital Partners in April 2025 to expand Hum Financial's balance sheet.
Hum Capital firmographics
Firmographics- Name
- Hum Capital
- Legal name
- Hum Capital, Inc.
- Website
- https://humcapital.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Hum Capital is an AI-powered funding platform that connects lower-middle-market companies seeking $1M-$50M in non-dilutive capital with 900+ institutional investors and lenders, while operating a direct lending arm (Hum Financial) and licensing its AI underwriting engine as enterprise SaaS.
- Ownership category
- akta.pro rank
Hum Capital industry classification
Industry- Product category
- AI-powered Private Capital Marketplace & Direct Lending
- NAICS
- Investment Banking and Securities Intermediation (523150), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Short-Term Business Credit Institutions (6153), Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Equity Capital Markets Advisory (Equity Issuance Strategy & Readiness) (FSACAAAI), Equity Capital Introduction & Prime Services (FSACAFAK), Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)
Keywords
Where Hum Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Hum Capital business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Direct Lending Interest Income: Hum Financial provides institutional-grade debt capital from its own balance sheet. Revenue generated through interest on loans with average facility sizes of $1M-$5M, average terms of 18-30 months. No equity, no warrants. $400M+ deployed since 2021.
- Capital Introduction Fees: Platform connects companies with 900+ institutional investors and earns fees for facilitating introductions and capital raises through the Intelligent Marketplace. Companies raise $1M-$50M in non-dilutive capital.
- Enterprise SaaS Subscriptions: Hum AI technology is being licensed to enterprise customers. Executed first three-year SaaS agreement with financial institution and in late-stage conversations with two additional institutions for AI-powered investment decision tools.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free to start |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Hum Capital product offering
Product offeringCore offering
Hum Capital runs the Intelligent Capital Market (ICM), an AI-powered funding marketplace that matches growth-stage companies seeking $1M–$50M in non-dilutive capital with a network of 900+ institutional investors and lenders. Through its Hum Financial subsidiary, it also originates and underwrites direct balance-sheet debt capital (typically $1M–$5M, 18–30 months) for profitable, founder-owned lower middle-market businesses, using AI to analyze 220+ data points per deal pulled via native integrations to accounting, banking, and payment systems.
Product overview
Hum Capital operates as a unified platform combining an AI-powered marketplace with direct lending capabilities. The core offering is the Intelligent Capital Market (ICM), an AI-powered funding platform that connects companies seeking $1-50M with 900+ institutional investors. This platform is powered by Hum AI, which handles investment screening, underwriting automation, and intelligent capital matching. The product portfolio includes Hum Financial, the company's direct lending arm providing non-dilutive debt capital to lower-middle-market businesses; SmartRaise, a rules-based financing eligibility feature; and Instant Capital, a working capital solution via partnership. Supporting tools include the Max Debt Calculator and Cost of Equity Calculator. The company also offers educational content through eBooks on fundraising and debt financing strategies.
Differentiator
Problem solved
Functional benefit
Brands
- Hum Financial: Hum Capital's direct lending arm providing institutional-grade debt capital to profitable, founder-owned businesses in the lower middle market that banks overlook and other lenders exploit. Provides growth capital, term loans averaging $1M-$5M.
- Hum AI
- ICM Capital Markets
Products and services
- Intelligent Capital Market (ICM) AI-powered funding marketplace connecting growth-stage companies with a network of 900+ institutional investors and lenders; companies connect financial systems and receive AI-powered analytics and capital matching.
- Hum Financial Direct Lending Hum Capital's direct lending arm providing institutional-grade debt capital from its own balance sheet to profitable, founder-owned businesses with $2M–$50M revenue. Term loans average $1M–$5M over 18–30 months with no equity or warrants.
- Hum AI AI technology infrastructure powering the ICM and Hum Financial, accelerating investment screening, underwriting, and monitoring through automated investment memos, tailored deal screening, and active portfolio risk management. Being licensed to enterprise financial institutions via SaaS.
- Instant Capital Working capital funding solution launched in partnership with Revenued, providing rapid eligibility assessments and quick access to working capital loans for SMBs through the Intelligent Capital Market.
- SmartRaise Streamlined financing option within the ICM that uses rules-based decisioning to quickly provide companies preliminary funding eligibility and accelerate the capital acquisition process.
Quantifiable outcome
- Reduces funding acquisition time compared to traditional networking-based methods
- +5 more outcomes
Companies that use Hum Capital
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles3 records
Hum Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability7 records
Feature6 records
Hum Capital partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered minor and core.
- HypercoreminorHypercore hosted panel featuring Hum Capital's Blair Silverberg and Becca Gielowski on AI agents reshaping investment management. Panel discussion cut past hype to discuss practical applications of AI technology.
- Pinegrove Venture PartnersminorPinegrove Venture Partners co-hosted panel with Hypercore and Hum Capital on AI agents in investment management.
- RevenuedcorePartnership with Revenued to launch Instant Capital through the Intelligent Capital Market. This fast, flexible funding solution makes it easier for businesses to access capital directly through Hum's platform.
- ForecastrminorPartnered with Forecastr for webinar on leveraging financial models in fundraising. Logan Burchett, Co-Founder & COO of Forecastr, presented on building powerful financial models to impress investors and close more checks.
- Flow CapitalminorPartnered with Flow Capital for webinar on accessing non-dilutive capital in a bear market. Discussed status of debt and non-dilutive financing in private capital markets.
- OpenView Partners and Mammoth GrowthminorHum joined with OpenView Partners and Mammoth Growth to discuss financing for Product-led Growth (PLG) companies.
- Novel CapitalminorPartnered with Novel Capital for webinar on non-dilutive finance, getting into the nitty gritty of financing options for growing companies.
- TIMIA CapitalminorPartnered with TIMIA Capital for webinar on choosing the right capital for the biggest impact, featuring experienced founders discussing aligning sources with business needs.
- QuickBookscoreNative integration with QuickBooks for seamless financial data connection. Hum uses read-only permissions to access company financial data for AI analysis.
- NetSuitecoreNative integration with NetSuite for seamless financial data connection. Part of Hum's 100+ syncable systems of record.
- PlaidcoreNative integration with Plaid for secure banking data connectivity. Enables read-only access to bank account information.
- StripecoreNative integration with Stripe for payment processing data. Part of Hum's data ingestion pipeline for real-time financial analysis.
- AWS (Amazon Web Services)coreHum Capital is powered by AWS cloud infrastructure. Follows AWS published identity and access management practices. Uses S3 with configurable AES-256 or KMS encryption, MySQL with configurable AWS KMS encryption, EBS encryption.
Scale indicators23 records
Recent moves7 records
Expansion highlights6 records
Hum Capital competitors and assessment
Company assessmentDirect peers
- Clearco: Clearco is a direct competitor in alternative, non-dilutive financing for growth-stage companies, particularly in ecommerce and SaaS, offering revenue-based financing and capital marketplaces. Closely overlaps with Hum's $1-50M non-dilutive growth capital offering to founder-led businesses.
- Capchase: Capchase provides revenue-based financing and a capital marketplace for B2B SaaS companies, directly competing with Hum's SaaS growth-capital focus. Its marketplace model for connecting SaaS companies with non-dilutive capital mirrors Hum's Intelligent Capital Market.
- Founderpath: Founderpath offers revenue-based financing specifically for SaaS founders, directly competing with Hum Financial's growth capital offering for the lower middle market. Both target founder-owned, profitable SaaS businesses seeking $1-5M facilities.
- Arc: Arc (formerly Article) operates a capital marketplace for startups combining debt and equity, with embedded financial tools. Directly comparable to Hum's Intelligent Capital Market as a data-driven platform connecting companies to multiple capital sources.
- Carta: Carta is the dominant private capital markets infrastructure platform, offering equity management, secondary trading, and capital introduction for private companies. Overlaps with Hum's equity capital introduction function via ICM and competes for the same institutional investor relationships.
- Lendio: Lendio operates a small business loan marketplace connecting SMB borrowers with 75+ lenders, directly comparable to Hum's marketplace model. Both aggregate capital supply and demand on a tech platform targeting the underserved lower middle market.
- Funding Circle: Funding Circle is an established SMB lending marketplace operating in the US and UK, providing term loans to small businesses. Comparable to Hum in its marketplace + direct lending hybrid model, though operating at larger scale and longer history.
Broad incumbents
- OnDeck: OnDeck (now part of Enova) is an established online SMB lender providing term loans and lines of credit to small businesses. A larger incumbent offering overlapping direct lending capabilities to similar lower middle market customers, though without an AI-powered marketplace layer.
- BlueVine: BlueVine provides SMB banking, lines of credit, and invoice factoring through an online platform. A broader incumbent in the SMB lending space with working capital products that overlap with Hum's Instant Capital and Hum Financial offerings.
- Stripe Capital: Stripe Capital offers embedded working capital loans to businesses on the Stripe payment platform, reaching a similar SMB segment with real-time revenue data. A well-capitalized incumbent whose embedded distribution and real-time transaction data represent a structural competitive threat to standalone marketplaces like Hum.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Hum Capital social profiles
Digital presenceHum Capital compliance and trust
Trust signalCompliance1 record
Hum Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hum Capital leadership team
Management profileNumber of profiles
Profiles15 records
Hum Capital subsidiaries and ownership
Company hierarchySubsidiaries2 records
Hum Capital funding detail
Funding detailFunding overview
Funding rounds6 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hum Capital M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hum Capital
What does Hum Capital do?
Hum Capital runs the Intelligent Capital Market (ICM), an AI-powered funding marketplace that matches growth-stage companies seeking $1M–$50M in non-dilutive capital with a network of 900+ institutional investors and lenders. Through its Hum Financial subsidiary, it also originates and underwrites direct balance-sheet debt capital (typically $1M–$5M, 18–30 months) for profitable, founder-owned lower middle-market businesses, using AI to analyze 220+ data points per deal pulled via native integrations to accounting, banking, and payment systems.
Is Hum Capital a public or private company?
Hum Capital is a private company. It is classified as venture growth investor backed and is currently operating.
When was Hum Capital founded?
Hum Capital was founded in 2019. It employs 51 to 100 people.
Where is Hum Capital based?
Hum Capital is headquartered in New York, United States, in the North America region.
How does Hum Capital make money?
Three revenue lines are on record. Direct Lending Interest Income is the primary driver. The others are capital Introduction Fees and enterprise SaaS Subscriptions.
Who are Hum Capital's main competitors?
Direct peers on record are Clearco, Capchase, Founderpath, Arc, Carta, Lendio and Funding Circle. Broad incumbents are OnDeck, BlueVine and Stripe Capital.
Does Hum Capital have an API?
No public API is recorded for Hum Capital.
What industry is Hum Capital in?
Hum Capital's product category is AI-powered Private Capital Marketplace & Direct Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSACAAAI, Equity Capital Markets Advisory (Equity Issuance Strategy & Readiness). Its NAICS code is 523150 and its SIC code is 6153.