Knight Capital Funding

What Knight Capital Funding does

Knight Capital Funding is a Merchant Cash Advance (MCA) provider headquartered in Fort Lauderdale, Florida, founded in 2013/2014 as a privately held Delaware LLC. The company purchases a contractually specified percentage of a small business's future receivables in exchange for an upfront lump-sum payment, then recoups the advance via predetermined daily or weekly ACH withdrawals tied to the merchant's credit card revenues. Unlike a loan product, this is structured as a receivables purchase. Knight Capital Funding targets small businesses with at least six months of operating history and $10,000 or more in monthly revenue that have been declined or underserved by traditional banks — typically due to poor personal credit, limited credit history, or insufficient collateral. The company serves at least eight distinct verticals including construction, retail, restaurants, salon/spa, automotive repair, manufacturing, medical/dental practices, and wholesale/distribution, with maximum funding amounts of $250,000 per merchant.

The company's core differentiator is its underwriting approach: rather than relying on personal credit scores, it evaluates business financial health (monthly revenue, length of operations, growth potential) using a proprietary credit scoring system augmented by machine learning for default prediction and fraud detection. The ML-driven underwriting supports a stated 24-72 hour decision-to-fund cycle. The product suite centers on a standard MCA offering plus a "Platinum Plus" tier priced at a 1.15 factor rate with a soft credit pull for higher-quality borrowers. The company holds BBB accreditation in South East Florida and operates across content marketing, social media, email, and paid display channels for demand generation.

Knight Capital Funding distributes its MCA products through a multi-channel GTM: direct online application via apply.knightcapitalfunding.com, phone-based funding specialists (855-462-4249), and an ISO/broker referral network that the company identifies as a core strategic channel. Revenue is generated through factor rates applied to purchased receivables (transaction-fee model), with portfolio risk managed internally by a dedicated asset management function. The company operates exclusively in the United States, restricts international applicants, and has no disclosed parent company, institutional investors, or external funding rounds, suggesting organic growth funded through retained earnings and portfolio cash flows.

Name

Knight Capital Funding

Legal name

Knight Capital Funding, LLC

Website

https://knightcapitalfunding.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

Knight Capital Funding is a Fort Lauderdale-based Merchant Cash Advance provider that purchases future receivables from U.S. small businesses (minimum 6 months operating, $10K+ monthly revenue) across eight verticals, offering advances up to $250,000 via ML-driven underwriting through direct sales and an ISO/broker channel.

Ownership category

akta.pro rank

Product category

Merchant Cash Advance / Alternative Small Business Financing

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industry

Merchant Cash Advance (MCA) Marketplaces (FSAKAHAI)

Keywords

• Merchant cash advance
• Small business financing
• Working capital funding
• Alternative lending
• Future receivables purchase

Headquarters

HQ city

Dover

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Merchant Cash Advance (MCA) - Future Receivables Purchase: Knight Capital Funding provides Merchant Cash Advances by purchasing a contractually specified percentage of a business's future receivables for an upfront lump-sum payment. Repayment is made through a predetermined percentage of daily or weekly credit card transactions (ACH withdrawals), with amounts varying based on business revenue. Revenue is earned through factor rates applied to the purchased receivables.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Knight Capital Funding provides Merchant Cash Advances (MCAs) to small businesses, purchasing a specified percentage of future receivables in exchange for an upfront lump-sum payment. Repayment occurs through a predetermined percentage of daily/weekly credit card or ACH transactions, with underwriting based on business financial health rather than personal credit.

Product overview

Knight Capital Funding offers a single core product: the Merchant Cash Advance (MCA). This is not a loan but rather an upfront payment for the purchase of future accounts receivable. The company purchases a fixed amount of a business's future receivables and pays them in a lump sum upfront. Repayment is made based on a predetermined percentage of the business's revenue, with flexible daily or weekly ACH withdrawals. The company uses machine learning and automation to underwrite applications and can provide funding decisions within 24-72 hours, with funding offers of up to $250,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Merchant Cash Advance (MCA) An upfront lump-sum payment for the purchase of a contractually specified percentage of a business's future receivables. Knight Capital Funding buys a fixed amount of receivables a business will generate and pays the business up-front in a lump sum, with repayment made through a predetermined percentage of daily credit card transactions. Targeted at small business owners (6+ months in operation, $10,000+ monthly revenue) seeking working capital, including those turned down by traditional banks.
• Platinum Plus MCA A premium merchant cash advance product offering a competitive 1.15 factor rate with a soft credit pull for qualified merchants, combining MCA advantages of fast funding and no collateral requirements with rates competitive with traditional banks.

Quantifiable outcome

• Funding decisions in less than 72 hours from application to decision
• +3 more outcomes

Segments9 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature2 records

Partnerships

One partnership is on record.

• Independent Sales Organizations (ISOs) / BrokerscoreChannel Partner/ Reseller/ DistributorKnight Capital Funding works with approved independent contractors and affiliate companies as part of their distribution model. ISOs and brokers can contact the company through dedicated channels ([email protected] for ISO Relations) to refer merchants seeking working capital. These partners assist in fulfilling information requests and providing service to merchants.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Credibly: Credibly provides working capital to small businesses through MCAs and term loans, with underwriting based on business revenue rather than personal credit - directly mirroring Knight Capital's product, target customer (bank-rejected SMBs), and revenue-based repayment model.
• CAN Capital: CAN Capital is a long-standing MCA provider serving SMBs with working-capital advances repaid via a percentage of daily card receipts - the same core product, customer segment, and remittance structure as Knight Capital Funding.
• Rapid Finance: Rapid Finance offers MCAs and small-business funding through a broker/ISO channel and direct origination, with revenue-based repayment and fast decisioning - a close analogue to Knight Capital's distribution and underwriting model.
• Forward Financing: Forward Financing provides revenue-based advances of $5K-$1M to U.S. SMBs, focusing on bank-rejected borrowers and using ML underwriting - overlapping Knight Capital's niche, target segment, and technology approach.
• National Funding: National Funding provides MCAs and small-business loans to underserved SMBs across multiple verticals, with similar broker-channel distribution and revenue-based remittance to Knight Capital.

Emerging players

• Lendio: Lendio operates an SMB lending marketplace connecting borrowers with multiple funders (including MCA providers) - partially overlapping Knight Capital's ISO/broker-led origination model and SMB target market.
• Fundbox: Fundbox offers short-term working-capital advances to small businesses via invoice-based repayment - overlapping Knight Capital's revenue-linked repayment mechanic and SMB focus, but typically smaller ticket sizes and B2B orientation.

Broad incumbents

• OnDeck: OnDeck offers term loans and lines of credit to SMBs with fast online underwriting - a broader incumbent that competes for the same SMB working-capital customer that Knight Capital serves through MCA.
• BlueVine: BlueVine provides invoice factoring, lines of credit, and term loans to SMBs, with online underwriting - a larger fintech incumbent addressing adjacent working-capital needs for the same SMB segment Knight Capital serves.
• Kapitus (formerly Strategic Funding Source): Kapitus provides MCAs, revenue-based financing, and small-business loans to underserved SMBs through a broker channel - directly competing with Knight Capital across product, segment, and distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/knightcapital1
• YouTubeyoutube.com/channel/UCW732pxTnKzdRaeImX0NfQw
• Facebookfacebook.com/knightcapitalfunding
• LinkedInlinkedin.com/company/knight-capital-funding

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Knight Capital Funding