Bond Street
Bond Street is a US online lender founded in 2013 that originates 1-3 year term loans of up to $1 million to established small businesses. It uses Plaid-integrated bank deposit data for underwriting, targeting SMBs seeking faster, lower-cost financing than banks or alternative lenders.
- Company typePrivate
- Founded2013
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Bond Street does
Bond Street is a US-based online lender founded in 2013 that originates intermediate-term small business loans of up to $1 million with one-to-three-year tenors. The company targets established small businesses with at least two years of operating history and $200,000+ in annual revenue, positioning itself as a faster, more affordable alternative to both traditional banks (slow underwriting) and merchant cash advance providers (high cost). Stated use cases include hiring, inventory and equipment purchases, opening new locations, refinancing credit card debt, and growth investments. The legal entity is Bond Street Marketplace, Inc., a Delaware corporation, with lending activity conducted through Bond Street Servicing, LLC, which holds a California Finance Lenders License (No. 60DBO-35835) and is headquartered at 86 Chambers Street, Suite 205 in New York.
Bond Street's core technology is a data-driven underwriting platform built around a Plaid integration that ingests applicants' bank deposit data to assess business cash flow and creditworthiness. The customer-facing surface is a self-serve web application with a 10-15 minute intake, a 48-hour decision window, and funding within roughly one week. The company complements its loan product with free financial tools (an APR/loan cost calculator and a Debt Service Coverage Ratio template) and a content-heavy blog and video library focused on small business financing education. Distribution is direct-to-consumer via bondstreet.com, supplemented by phone support and a borrower referral program administered by the servicing entity.
Bond Street's revenue model is interest and origination-fee income on its term loan portfolio. Capital structure is dominated by senior debt facilities arranged through Jefferies (cumulatively disclosed at $400 million+ across 2015 and 2017), layered on top of approximately $11.5 million of equity raised in a 2014 seed and 2015 Series A. The company has not publicly disclosed revenue, origination volume, or loan portfolio size, and its website copyright remains dated 2017, indicating limited recent public-facing activity despite a 2025 portfolio investment by Bond Street LLC into ZeroRISC.
Bond Street firmographics
Firmographics- Name
- Bond Street
- Legal name
- Bond Street Marketplace, Inc.
- Website
- https://bondstreet.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bond Street is a US online lender founded in 2013 that originates 1-3 year term loans of up to $1 million to established small businesses. It uses Plaid-integrated bank deposit data for underwriting, targeting SMBs seeking faster, lower-cost financing than banks or alternative lenders.
- Ownership category
- akta.pro rank
Bond Street industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Bond Street is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Bond Street business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Small Business Term Loans: Bond Street provides intermediate-term small business loans ranging from one to three years. Revenue is generated through interest charges on loans with rates starting at 6%, along with origination fees. The company positions itself as filling the gap between traditional banks and alternative lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Term Loans starting at 6% interest rate |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Bond Street product offering
Product offeringCore offering
Bond Street provides intermediate-term small business loans of up to $1 million with 1-3 year terms and interest rates starting at 6%, targeting established small businesses with at least two years of operating history and $200,000+ in annual revenue. The company uses a technology-enabled, data-driven underwriting process (leveraging bank deposit data via Plaid) to deliver loan decisions within 48 hours, offers within 3 days, and funding within one week. Complementary free tools include a loan/APR calculator and a Debt Service Coverage Ratio (DSCR) calculator, and the offering is supported by an extensive educational blog and resource library.
Product overview
Bond Street is a small business financing platform offering a single core product: intermediate-term small business loans. The company leverages technology and data to provide simple, transparent, and fair financing to entrepreneurs. Bond Street's loan offerings are complemented by free financial tools including a loan calculator and DSCR calculator, plus educational resources through their blog. Loans are made by Bond Street Servicing, LLC, with the company headquartered in New York, NY.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Decision within 48 hours, offer within 3 days, funding within 1 week
- +3 more outcomes
Companies that use Bond Street
Customer profileSegments2 records
Ideal customer profiles1 record
Bond Street technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature2 records
Bond Street partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Plaid Technologies, Inc.coreBond Street uses Plaid to gather End User's data from financial institutions. By using the Bond Street service, users grant Bond Street and Plaid the right to act on their behalf to access and transmit personal and financial information from relevant financial institutions for credit assessment purposes.
Scale indicators3 records
Recent moves5 records
Expansion highlights2 records
Bond Street competitors and assessment
Company assessmentBroad incumbents
- Brex: Brex offers credit cards, business banking, and lending products to startups and SMBs through a tech-enabled platform; adjacent to Bond Street in serving digitally-native small businesses with credit products, though Brex focuses on venture-backed startups and tech-forward SMBs with a broader product suite.
Direct peers
- OnDeck Capital: OnDeck provides short-term small business loans and lines of credit using proprietary data scoring and a digital application process; directly competes with Bond Street in tech-enabled SMB term lending with similar speed-of-funding value propositions and pricing tiers.
- Kabbage (American Express Business Blueprint): Kabbage was a leading online small business lender offering lines of credit and term loans via data-driven underwriting using bank data; directly comparable to Bond Street in target market (US SMBs), product structure, and tech-enabled underwriting approach. Now integrated into American Express.
- Lendio: Lendio operates as a small business loan marketplace matching borrowers with 75+ lenders, including term loan products; comparable to Bond Street in SMB lending focus, though Lendio uses a marketplace model rather than balance-sheet lending.
- BlueVine: BlueVine offers small business lines of credit, term loans, and invoice factoring with a digital-first, data-driven underwriting approach; highly comparable to Bond Street in serving the same underserved SMB borrower segment and emphasizing speed and simplicity.
- Funding Circle: Funding Circle is a small business loan marketplace and direct lender connecting SMBs with institutional capital; comparable to Bond Street in SMB lending focus, digital origination model, and emphasis on serving businesses underserved by traditional banks.
- CAN Capital: CAN Capital provides working capital and small business term loans with a focus on underserved SMBs; comparable to Bond Street in target market, product structure, and mission to serve the small business segment that traditional banks underserve.
- Fundera (a NerdWallet company): Fundera was a small business loan marketplace (now part of NerdWallet) connecting SMBs with multiple lending partners for term loans and lines of credit; comparable to Bond Street in target market, digital-first SMB lending experience, and educational content marketing.
- StreetShares: StreetShares provided small business loans and lines of credit with a digital application process; comparable to Bond Street in tech-enabled SMB lending focus and online origination experience, though StreetShares had a particular focus on veteran-owned businesses.
Regional players
- Accion: Accion is a global nonprofit microlender offering small business loans to underserved entrepreneurs with a mission-driven approach; comparable to Bond Street in SMB focus and emphasis on capital access for underserved borrowers, though Accion typically serves smaller loan sizes and a different borrower profile.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Bond Street social profiles
Digital presenceBond Street financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bond Street leadership team
Management profileNumber of profiles
Profiles1 record
Bond Street funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bond Street M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bond Street
What does Bond Street do?
Bond Street provides intermediate-term small business loans of up to $1 million with 1-3 year terms and interest rates starting at 6%, targeting established small businesses with at least two years of operating history and $200,000+ in annual revenue. The company uses a technology-enabled, data-driven underwriting process (leveraging bank deposit data via Plaid) to deliver loan decisions within 48 hours, offers within 3 days, and funding within one week. Complementary free tools include a loan/APR calculator and a Debt Service Coverage Ratio (DSCR) calculator, and the offering is supported by an extensive educational blog and resource library.
Is Bond Street a public or private company?
Bond Street is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bond Street founded?
Bond Street was founded in 2013. It employs 11 to 50 people.
Where is Bond Street based?
Bond Street is headquartered in New York, United States, in the North America region.
How does Bond Street make money?
One revenue line is on record: small Business Term Loans.
Who are Bond Street's main competitors?
Brex is listed as a broad incumbent. Direct peers are OnDeck Capital, Kabbage (American Express Business Blueprint), Lendio, BlueVine, Funding Circle, CAN Capital, Fundera (a NerdWallet company) and StreetShares. Accion is listed as a regional player.
Does Bond Street have an API?
No public API is recorded for Bond Street.
What industry is Bond Street in?
Bond Street's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured). Its NAICS code is 522 and its SIC code is 6153.