Yardline
Yardline is a Capital-as-a-Service funding marketplace connecting SMBs and ecommerce businesses with 30+ lending partners through a single application. It offers working capital lines, revenue-based financing, asset-based lending, venture lending, term loans, and SBA loans ranging from $10,000 to $20 million.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Yardline does
Yardline is a Capital-as-a-Service funding marketplace founded in 2020 and headquartered in New York (Yardline Capital Corp). The company operates a proprietary marketplace platform that aggregates 30+ lending partners behind a single 5-minute online application, using an algorithm to match businesses with appropriate funding providers based on their financial profile, which is gathered through encrypted integrations with business banking and accounting systems. Yardline's product surface spans eight financing categories — Working Capital Lines of Credit ($20K–$10M), Revenue-Based Financing ($10K–$5M), Asset-Based Lending ($50K–$10M), Business Growth Capital ($50K–$20M), Venture Lending ($250K–$10M), Term Loans (from 9.99% APR, 6-month to 5-year terms), Purchase Order & Invoice Financing, and SBA Loans — collectively covering $10,000 to $20 million in funding capacity per borrower.
The business model is an affiliate referral / partner compensation structure: Yardline charges customers no upfront or application fees, and earns revenue when funding is successfully matched with a lending partner. Distribution is primarily domestic (North America), with a self-serve top-of-funnel application feeding an inside-sales closing motion; sales representatives review offers with customers and guide them through terms, rates, and structures. The company has positioned heavily around ecommerce marketplace sellers (Amazon, eBay, Shopify) and small-to-medium businesses seeking working capital, expansion financing, or non-dilutive growth capital, with secondary segments in asset-heavy businesses and venture-backed companies.
Yardline was capitalized with a $10M raise in November 2020 from 10X Capital, Crossbeam Venture Partners, Evolution VC Partners, and Thrasio. The company operates as a privately held LLC with no parent company, no institutional investor ownership beyond the founding round, and no disclosed subsidiary structure. Founded leadership includes CEO and co-founder Ari Horowitz, co-founder and President Tomo Matsuo, Chairman Bo Peabody, and CTO Chuck Pickelhaupt. No API, SDK, or MCP integrations are offered, and no AI/ML capabilities, patents, certifications, or regulatory actions are disclosed in the source material.
Yardline firmographics
Firmographics- Name
- Yardline
- Legal name
- Yardline Capital Corp
- Website
- https://yardline.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Yardline is a Capital-as-a-Service funding marketplace connecting SMBs and ecommerce businesses with 30+ lending partners through a single application. It offers working capital lines, revenue-based financing, asset-based lending, venture lending, term loans, and SBA loans ranging from $10,000 to $20 million.
- Ownership category
- akta.pro rank
Yardline industry classification
Industry- Product category
- Business Lending Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Credit Lines / Revolving Marketplace Lending (FSAKAHAK)
Keywords
Where Yardline is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Yardline business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel
Revenue model
- Partner Referral Fees: Yardline receives compensation from lending partners when they successfully match businesses with appropriate funding solutions. The company does not charge customers any fees (no upfront fees, no application fees). Revenue is generated through successful loan placements with their network of 30+ lending partners.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Working Capital Lines of Credit: $20,000 to $10 million |
| Outcome Based/ Performance | Pay-as-you-go | Revenue-Based Financing: $10,000 to $5 million |
| Other | Multi-year contract | Business Growth Capital: $50,000 to $20 million |
| Other | Multi-year contract | Asset-Based Lending: $50,000 to $10 million |
| Other | Multi-year contract | Venture Lending: $250,000 to $10 million |
| Subscription | Monthly | Term Loans: Competitive rates from 9.99% APR |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels2 records
Yardline product offering
Product offeringCore offering
Yardline operates a Capital-as-a-Service online marketplace that matches U.S. businesses seeking between $25K and $5M with a network of 30+ lending partners. Through a proprietary encrypted data platform, Yardline securely routes a single borrower application to multiple capital providers and surfaces matched offers for working capital lines of credit, revenue-based financing, business growth capital, asset-based lending, and venture lending.
Product overview
Yardline operates as a funding marketplace platform that connects businesses with 30+ lending partners through a single streamlined application. The platform aggregates multiple lenders to present diverse financing options including Working Capital Lines of Credit, Revenue-Based Financing, Asset-Based Lending, Business Growth Capital, Venture Lending, Term Loans, Purchase Order & Invoice Financing, and SBA Loans—spanning funding amounts from $10,000 to $20 million across secured and unsecured structures.
Differentiator
Problem solved
Functional benefit
Products and services
- Working Capital Lines of Credit
Quantifiable outcome
- $250K funding approved in less than 24 hours for inventory expansion
Companies that use Yardline
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Yardline technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Yardline partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- AmazonminorAmazon marketplace seller featured as a customer segment served by Yardline's financing solutions. Ecommerce businesses selling on Amazon can access funding for inventory, operations, and growth through Yardline's platform.
- eBayminoreBay marketplace seller featured as a customer segment served by Yardline's financing solutions. Ecommerce businesses operating on eBay can utilize Yardline's funding marketplace to access capital.
- ShopifyminorShopify merchant segment highlighted as target customer for Yardline's financing products. Online retailers using Shopify platform can access working capital and growth financing through Yardline.
Scale indicators6 records
Recent moves5 records
Expansion highlights5 records
Yardline competitors and assessment
Company assessmentEmerging players
- Wayflyer: Wayflyer offers revenue-based financing and inventory funding specifically to ecommerce merchants on Shopify, Amazon, and other platforms — directly competing with Yardline for the same ecommerce seller capital needs.
- Pipe: Pipe operates a marketplace for recurring revenue trading and embedded capital for SaaS and subscription businesses. It overlaps with Yardline's revenue-based financing thesis from a marketplace-distribution angle rather than direct lending.
- Clearco: Clearco specializes in revenue-based financing for ecommerce and DTC brands, directly overlapping with Yardline's ecommerce and revenue-based-financing products. It represents a category-defining emerging player in the same sub-segment.
Broad incumbents
- OnDeck: OnDeck (now part of Envestnet) is an established online SMB lender offering term loans and lines of credit. As a broader incumbent with proprietary capital, it competes with the lenders in Yardline's marketplace and represents the direct-lending alternative.
- Stripe Capital: Stripe Capital extends financing to businesses based on their Stripe payment volume, providing one-click offers inside the Stripe dashboard. It exemplifies the embedded-finance threat that could disintermediate Yardline's marketplace model.
- Amazon Lending: Amazon Lending provides sellers on Amazon's marketplace with direct invitations to financing. As a platform-native lender for Yardline's largest customer segment, it represents both a potential partner and a structural disintermediation risk.
- Shopify Capital: Shopify Capital offers embedded merchant cash advances and loans to Shopify merchants directly inside the platform. It is the most threatening embedded-finance incumbent to Yardline's ecommerce seller target segment.
Direct peers
- Fundera: Fundera (acquired by Intuit) was an SMB loan marketplace comparing offers from multiple lenders. It served nearly the same customer profile as Yardline and competed head-to-head in marketplace-driven SMB capital intermediation.
- Biz2Credit: Biz2Credit operates an SMB funding marketplace and direct-lending platform offering term loans, lines of credit, and SBA products. Its dual marketplace-plus-lender model and SMB focus make it a direct comparable to Yardline.
- Lendio: Lendio operates an SMB loan marketplace connecting small businesses with a network of lenders across multiple product types. It is the closest direct analog to Yardline's marketplace model, serving overlapping customer segments and offering similar multi-lender aggregation.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights5 records
Customer concentration
Yardline social profiles
Digital presenceYardline financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yardline leadership team
Management profileNumber of profiles
Profiles4 records
Yardline funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yardline M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yardline
What does Yardline do?
Yardline operates a Capital-as-a-Service online marketplace that matches U.S. businesses seeking between $25K and $5M with a network of 30+ lending partners. Through a proprietary encrypted data platform, Yardline securely routes a single borrower application to multiple capital providers and surfaces matched offers for working capital lines of credit, revenue-based financing, business growth capital, asset-based lending, and venture lending.
Is Yardline a public or private company?
Yardline is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yardline founded?
Yardline was founded in 2020. It employs 1 to 10 people.
Where is Yardline based?
Yardline is headquartered in New York, United States, in the North America region.
How does Yardline make money?
One revenue line is on record: partner Referral Fees.
Who are Yardline's main competitors?
Emerging players on record are Wayflyer, Pipe and Clearco. Broad incumbents are OnDeck, Stripe Capital, Amazon Lending and Shopify Capital. Direct peers are Fundera, Biz2Credit and Lendio.
Does Yardline have an API?
No public API is recorded for Yardline.
What industry is Yardline in?
Yardline's product category is Business Lending Marketplace. Its primary akta.pro industry code is FSAKAHAK, P2P Credit Lines / Revolving Marketplace Lending. Its NAICS code is 52231 and its SIC code is 6163.