Access Capital
Access Capital is a privately held, non-bank specialty lender founded in 1986 that exclusively provides asset-based credit facilities (payroll funding, working capital lines, and M&A financing up to $25M) to U.S. staffing companies across IT, healthcare, engineering, and related verticals.
- Company typePrivate
- Founded1986
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Access Capital does
Access Capital, Inc. is a privately held, non-bank specialty lender founded in 1986 by Miles M. Stuchin and his wife Marcie Stuchin. The firm exclusively serves the U.S. staffing industry, providing asset-based credit facilities — primarily payroll funding, asset-based revolving lines of credit (with 85-90% advance rates on accounts receivable), and M&A/acquisition term loans up to $5 million. Total credit facilities range from $1 million to $25 million per borrower, and the firm has cumulatively deployed more than $1 billion across hundreds of staffing companies spanning IT, engineering, healthcare, travel nursing, construction, education, and government IT verticals.
The company operates with a lean team of 11-50 employees headquartered at 400 Park Avenue, New York. Its go-to-market is sales-led and relationship-driven: business development officers engage staffing operators directly, with bottom-of-funnel deal flow sourced through referrals from industry CPAs, existing clients, and partners. Pricing is bespoke (not publicly disclosed) and structured as multi-year revolving or term credit facilities, with revenue generated through interest on loans and facility fees. The firm emphasizes flexibility relative to traditional banks and lighter covenants relative to factors, with long-tenured underwriting leadership (John Belling, President & CCO; Paul Mehring, President & CLO; Dave Hill, SVP, 16 years) underwriting receivables collateral.
The business is not a technology platform — there are no APIs, no AI/ML underwriting capabilities, and no proprietary software products disclosed. The competitive position rests on 40+ years of staffing industry specialization, switching costs from long-term client relationships, and a referral-driven distribution channel. The firm raised $130 million in debt funding in November 2023 to support lending capacity, and in April 2026 celebrated its 40th anniversary as the "nation's leading independent lender to the staffing industry."
Access Capital firmographics
Firmographics- Name
- Access Capital
- Legal name
- Access Capital, Inc.
- Website
- https://accesscapital.com
- Company type
- Private
- Founded year
- 1986
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Access Capital is a privately held, non-bank specialty lender founded in 1986 that exclusively provides asset-based credit facilities (payroll funding, working capital lines, and M&A financing up to $25M) to U.S. staffing companies across IT, healthcare, engineering, and related verticals.
- Ownership category
- akta.pro rank
Access Capital industry classification
Industry- Product category
- Commercial Lending
- NAICS
- Commercial Banking (522110), Portfolio Management and Investment Advice (523940)
- SIC
- Miscellaneous Business Credit Institution (6159), Loan Brokers (6163)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industry
- Private Credit / Direct Lending (FSAAAHAG)
Keywords
Where Access Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Access Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Asset-Based Lending: The company provides asset-based lending facilities to staffing companies, using accounts receivable as collateral. Revenue is generated through interest on loans and fees associated with credit facilities. The company offers payroll funding, working capital revolving lines, and term loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Payroll Funding / Asset Based Lending up to $25 million |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Access Capital product offering
Product offeringCore offering
Access Capital is a privately held, non-bank lender providing Payroll Funding, Asset-Based Lending, and M&A / Acquisition Financing to growth-oriented staffing companies nationwide. The company extends customized credit facilities ranging from $1 million to $25 million, structured as revolving lines and term loans, and has deployed more than $1 billion in capital to the staffing industry since 1986.
Product overview
Access Capital is a financial services platform offering a suite of three integrated lending solutions for staffing companies: Payroll Funding (up to $25M), Asset-Based Lending (with 85-90% advance rates on receivables), and M&A/Acquisition Financing (up to $5M). These products are designed as alternatives to traditional factoring and bank financing, providing customizable credit facilities ranging from $1M to $25M. The company positions itself as the nation's leading independent lender to the staffing industry with over 40 years of experience and more than $1 billion in capital provided to the sector.
Differentiator
Problem solved
Functional benefit
Brands
- Access Capital Foundation: Charitable foundation created by the founders to give back meaningful amounts to support organizations in healthcare, education, social welfare and the arts. The foundation has provided over ten million dollars in support of over 100 not-for-profit organizations.
Products and services
- Payroll Funding
Quantifiable outcome
- Over 300% growth achieved by clients with Access Capital support
- +2 more outcomes
Companies that use Access Capital
Customer profileNamed customers19 records
Segments4 records
Ideal customer profiles1 record
Access Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Access Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Access Capital FoundationcoreCorporate foundation established by Access Capital founders to support charitable organizations in healthcare, education, social welfare, and the arts. Has provided over $10 million in support to more than 100 not-for-profit organizations. Supported organizations include Dana Farber Cancer Institute, Weill Cornell Medical Center, Memorial Sloan Kettering, Penn Medicine, American Heart Association, and New York Cares.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Access Capital competitors and assessment
Company assessmentDirect peers
- Fora Financial: Direct alternative lender providing working capital and term loans to small and mid-sized US businesses. Comparable product set (working capital, term loans) and target segment (growth-oriented SMBs).
- BlueVine: Fintech lender offering invoice factoring, lines of credit, and working capital to SMBs. Comparable in providing ABL/factoring alternatives to staffing and services firms, though with a more digital delivery model.
- eCapital: Asset-based lender providing working capital, factoring, and ABL facilities to SMBs including staffing companies. Closely comparable in product mix (ABL + factoring alternatives) and target borrower profile.
- LSQ (formerly LSQ Funding Group): Specialty finance company focused on invoice factoring and ABL for staffing and commercial businesses. Most direct competitor to Access Capital given shared staffing-industry focus and receivables-based lending model.
Emerging players
- Fundbox: Digital SMB working-capital platform offering lines of credit and short-term financing. Competes for the same growth-stage staffing and services borrowers as Access Capital, but with a fully online origination experience.
- Lendio: SMB lending marketplace connecting borrowers to multiple lenders. Indirect overlap with Access Capital by aggregating demand from the same growth-stage staffing and services SMBs.
Broad incumbents
- Wells Fargo Capital Finance: Bank-affiliated ABL and factoring franchise that historically served the staffing industry. Competes on size and balance sheet capacity rather than boutique service, but overlaps directly on staffing receivables financing.
- CIT Group (now First Citizens Bank): Large commercial lender with a dedicated Staffing vertical in its Capital Finance business, offering ABL, factoring, and cash flow lending to mid-market staffing firms. Larger and broader portfolio, but overlapping staffing-vertical capability.
- OnDeck Capital (Enova International): Established online SMB lender offering term loans and lines of credit. Overlaps with Access Capital in serving SMB staffing firms seeking working capital, but with a broader vertical mix and larger balance sheet.
- American Express Business Blueprint (formerly Kabbage): Large-scale SMB working capital and line-of-credit product from American Express, targeting similar small-business borrowers as Access Capital. Competes via brand, balance sheet, and embedded AmEx cardholder distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Access Capital social profiles
Digital presenceAccess Capital compliance and trust
Trust signalCompliance2 records
Access Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access Capital leadership team
Management profileNumber of profiles
Profiles8 records
Access Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access Capital M&A and investment
M&A and investmentM&A
Investments10 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Access Capital
What does Access Capital do?
Access Capital is a privately held, non-bank lender providing Payroll Funding, Asset-Based Lending, and M&A / Acquisition Financing to growth-oriented staffing companies nationwide. The company extends customized credit facilities ranging from $1 million to $25 million, structured as revolving lines and term loans, and has deployed more than $1 billion in capital to the staffing industry since 1986.
Is Access Capital a public or private company?
Access Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Access Capital founded?
Access Capital was founded in 1986. It employs 11 to 50 people.
Where is Access Capital based?
Access Capital is headquartered in New York, United States, in the North America region.
How does Access Capital make money?
One revenue line is on record: asset-Based Lending.
Who are Access Capital's main competitors?
Direct peers on record are Fora Financial, BlueVine, eCapital and LSQ (formerly LSQ Funding Group). Emerging players are Fundbox and Lendio. Broad incumbents are Wells Fargo Capital Finance, CIT Group (now First Citizens Bank), OnDeck Capital (Enova International) and American Express Business Blueprint (formerly Kabbage).
Does Access Capital have an API?
No public API is recorded for Access Capital.
What industry is Access Capital in?
Access Capital's product category is Commercial Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522110 and its SIC code is 6159.