QualiFi

What QualiFi does

QualiFi is a privately held commercial finance broker (QualiFi, LLC) headquartered in Broomall/Wayne, Pennsylvania, that connects small and medium-sized businesses with a network of 75+ US lenders. Founded in 2022 by Eddie DeAngelis, an entrepreneur whose prior commercial finance ventures (Bizlender, Amerifi) were acquired by larger players (Amerifi was acquired by Nav Technologies in 2019, whose investors include Goldman Sachs and Experian), the company targets SMB borrowers across at least eight verticals including medical/healthcare, construction, restaurants, manufacturing, retail, IT, transportation, and professional services. QualiFi's core value proposition is fast, accessible financing as an alternative to traditional banks: 24-48 hour approvals versus 4-8 weeks at banks, credit scores as low as 500, and minimal documentation requirements. The company has facilitated $275M+ in cumulative business funding since founding.

QualiFi operates a 12-product platform spanning Lines of Credit ($5,000 to $75 million), 5-10 Year Term Loans (up to $500,000), Equipment Financing ($10,000 to $20 million), Purchase Order Financing, Accounts Receivable Financing (up to 95% advance), Commercial Mortgages ($100,000 to $20 million), SBA Loans ($50,000 to $5 million), Asset Based Loans ($500,000 to $20 million), Bridge Loans ($5,000 to $3 million), Inventory Financing, Litigation Funding, and Credit Card Processing Services. The technology stack is a conventional online brokerage platform: a website application (goqualifi.com) with secure DocuSign-based document handling, bank-level encryption, and inbound phone-based discovery calls with dedicated funding managers. There is no evidence of proprietary AI/ML underwriting or matching technology; matching appears to be human-mediated via funding managers.

The business model is transaction-fee based: QualiFi earns broker commissions from lenders when borrowers are matched and loans close, plus affiliate referral revenue from a partner channel targeting CPAs, tax attorneys, bankers, credit unions, and brokers. Distribution is multi-channel, combining direct-to-consumer online applications, phone sales, content marketing (blog, social media, Google/Trustpilot/BBB reviews), and an affiliate revenue-share program. The company has 11-50 employees and a four-person named leadership team (CEO Eddie DeAngelis, VP of Sales Jason Maury, Head of Employee & Client Experience Gia DeAngelis, Senior Finance Analyst John J. Crawford III). No external equity funding rounds have been disclosed; the sole disclosed transaction is a December 2024 $3.5 million credit facility arranged for a global engineering staffing client.

Name

QualiFi

Legal name

QualiFi, LLC

Website

https://goqualifi.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

QualiFi is a Pennsylvania-based commercial finance broker that connects small and medium-sized businesses across eight verticals (medical, construction, restaurants, manufacturing, retail, IT, transportation, professional services) with a network of 75+ US lenders, offering 12 financing products from $5,000 to $75 million with 24-48 hour approvals.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Commercial lending broker
• Business loan products
• Small business financing
• Equipment financing solutions
• SBA loan programs

Headquarters

HQ city

Wayne

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Finance Broker Fees: QualiFi acts as a commercial finance broker, earning fees or commissions from lenders when they successfully match borrowers with appropriate financing products. The company works with over 75 lenders to secure loans at lower-than-market rates.
2. Affiliate/Partner Referrals: Revenue share commissions paid to affiliate partners (CPAs, tax attorneys, bankers, credit unions) when their clients close loans with QualiFi. This channel brings qualified leads through trusted professional networks.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

QualiFi is a commercial finance broker that connects small and medium-sized businesses with a network of 75+ lenders to provide access to business financing products. The company offers lines of credit ($5,000-$75 million), 5-10 year term loans, equipment financing, SBA loans, commercial mortgages, bridge loans, purchase order financing, accounts receivable financing, inventory financing, asset-based loans, litigation funding, and credit card processing services. QualiFi positions itself as an alternative to traditional banks, emphasizing 24-48 hour approvals, credit scores as low as 500, and minimal documentation requirements.

Product overview

QualiFi is a commercial finance broker that operates as a unified platform connecting small and medium-sized businesses with a network of 75+ lenders. The platform offers a comprehensive suite of financing products including Lines of Credit ($5,000-$75 million), 5-10 Year Term Loans (up to $500,000), Equipment Financing ($10,000-$20 million), Purchase Order Financing ($5,000-$20 million), Accounts Receivable Financing (up to 95% advance), Commercial Mortgages ($100,000-$20 million), SBA Loans ($50,000-$5 million), Asset Based Loans ($500,000-$20 million), Bridge Loans ($5,000-$3 million), Inventory Financing, Litigation Funding, and Credit Card Processing Services. The core value proposition is providing fast, accessible financing with minimal documentation requirements compared to traditional banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Lines of Credit Revolving credit lines from $5,000 to $75 million offering flexible cash flow access with interest-only payment options and up to 36 months amortization. Unsecured lines ($5k-$250k) with 24-hour approvals and same-day funding; secured lines ($250k-$20 million) using collateral such as accounts receivable, real estate, or inventory. Rates starting just below 1% per month.
• 5-10 Year Term Loans Long-term business term loans providing up to $500,000 without collateral, with rates starting at 6.99%, no prepayment penalties, and repayment terms up to 10 years. Funding available in as little as one week.
• Equipment Financing Equipment loans and leasing solutions offering up to 100% financing from $10,000 to $20 million with terms up to 7 years and annual interest rates starting at 6%. Funds new and used equipment including software, computer systems, and technology.
• Purchase Order Financing Short-term financing bridging the gap to fulfill large customer orders, covering up to 100% of supplier costs from $5,000 to $20 million with interest rates starting at 1.5% per month.
• Accounts Receivable Financing Invoice factoring and accounts receivable financing providing up to 90-95% advance rates on unpaid invoices with funding available in as little as 24 hours. Interest rates starting at less than 1% per month.
• Commercial Mortgages Commercial real estate loans ranging from $100,000 to $20 million with 30-year amortization, rates starting at 5.49%, and rapid closings in 3-4 weeks. Minimum documentation and no income verification programs available.
• SBA Loans Small Business Administration loans ranging from $50,000 to $5 million with 5-25 year terms and interest rates from 3% to 8%, including SBA 7(a) loans for real estate, debt refinancing, and equipment, and SBA 504 loans for fixed-rate financing.
• Asset Based Loans Asset-based lending and lines of credit from $500,000 to $20 million using collateral such as accounts receivable, inventory, equipment, and real estate. Flexible structures including interest-only lines of credit or fully amortizing term loans. Approval in 24-48 hours.
• 3-24 Month Bridge Loans Short-term bridge financing and business cash advances from $5,000 to $3 million with rapid 1-2 day funding and no minimum credit score requirement. Medical and health industries can access term loans up to 36 months.
• Inventory Financing Short-term inventory loans and revolving credit lines to purchase inventory from suppliers, with flexible repayment terms tailored to business needs.
• Litigation Funding Capital financing for attorneys covering legal costs, including Level Insurance for case expense coverage and Contingency Fee Protection up to $50,000.
• Credit Card Processing Services Payment processing solutions including surcharge solutions, dual pricing, POS systems, eCommerce payment processing, gift/loyalty programs, mobile payments, and Level 2/3 processing for businesses.

Quantifiable outcome

• 85% of traditional bank loan applications are rejected, while QualiFi almost always says Yes
• +2 more outcomes

Named customers2 records

Segments9 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Funding Circle: Operates an SMB lending marketplace offering term loans and lines of credit to small businesses through a network of investors and partner institutions — competes head-to-head for SMB origination volume.
• SmartBiz: Online SBA loan marketplace and direct SBA lender serving small businesses — directly comparable to QualiFi's SBA loan brokering business and target customer.
• National Funding: Alternative SMB lender offering working capital loans, equipment financing, and merchant cash advances — competes for the same underserved SMB customer segment as QualiFi.
• CAN Capital: Provides working capital and small business loans including merchant cash advances and lines of credit — competes for SMB customers seeking fast, accessible financing.
• Biz2Credit: Online SMB lending marketplace that matches borrowers with banks and alternative lenders for working capital, SBA loans, and term loans — a direct competitor in the online commercial finance broker category.
• BlueVine: Provides SMB lines of credit, invoice factoring, and term loans through a digital platform — competes directly with QualiFi's working capital and AR financing products.
• Lendio: Operates a similar SMB loan broker marketplace connecting business owners with a network of lenders for term loans, lines of credit, SBA loans, and equipment financing — directly overlapping QualiFi's core broker model and target customer.
• Fundbox: Provides working capital and lines of credit to SMBs, particularly through invoice-based advances and short-term credit — overlapping with QualiFi's AR financing and bridge loan offerings.

Broad incumbents

• OnDeck: Established online SMB lender offering term loans and lines of credit directly to small businesses — broader incumbent in the alternative SMB lending space that competes with QualiFi's brokered offerings.
• Nav Technologies: SMB financial marketplace that matches business owners with lenders and provides credit-building tools — broader incumbent and notably the acquirer of founder Eddie DeAngelis's prior company Amerifi, making it a closely connected reference competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCvYvyN14l6R6JTpK1KAL1tg
• Facebookfacebook.com/QualiFi.LLC
• LinkedInlinkedin.com/company/qualifi-llc
• Xx.com/GoQualifi

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QualiFi