Amsterdam Capital Solutions

What Amsterdam Capital Solutions does

Amsterdam Capital Solutions, operating as Amsterdam Capital Group (ACG), is a privately held alternative credit platform founded in 2021 and headquartered in New York. The company originates merchant cash advances (MCAs) of up to $1 million per deal to U.S. small and medium-sized businesses with at least $30,000 in monthly revenue, one year of operating history, and a FICO score of 500 or above. Underwriting is collectibility-driven with a documented 2.5% approval rate, supported by a proprietary platform that includes contractual direct bank account monitoring, UCC-1 priority liens on receivables, and an in-house recovery function that captures 60-80% of recoveries within the first 90-120 days of default.

ACG raises capital through the ACG Note, an asset-backed secured note offered exclusively to accredited investors under Regulation D, Rule 506(c), with a $100,000 minimum investment, fixed annual returns up to 12% distributed monthly, and a one-year locked maturity. Receivables are held on ACG's balance sheet rather than through a marketplace structure, allowing the firm to earn the full spread between investor returns and merchant advance yields. Revenue is generated primarily from this spread, supplemented by up to 12% commission paid to ISO/broker partners on funded deals plus residual commissions on merchant renewals.

The company serves three customer segments: SMB owners seeking working capital without lengthy bank processes, ISO/broker partners earning commissions and residuals on submitted deals, and accredited investors seeking fixed monthly income from alternative credit. Operating geographies are concentrated in five states — New York (13.3%), Texas (11.2%), New Jersey (9.3%), Pennsylvania (8.5%), and Florida (8.2%) — which together account for 50.5% of funded volume. The leadership team is led by founder and CEO Brian, who previously scaled a specialty finance firm to $500M+ funded within 36 months, and includes a COO overseeing servicing and syndication, a Harvard Law-trained CLO, and a Chief of Investor Relations.

Name

Amsterdam Capital Solutions

Legal name

Amsterdam Capital Group

Website

https://amsterdamcapitalsolutions.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Amsterdam Capital Group is a privately held alternative credit platform founded in 2021 that originates merchant cash advances up to $1M for U.S. small businesses and raises capital from accredited investors via the ACG Note offering up to 12% fixed annual returns.

Ownership category

akta.pro rank

Product category

Alternative Small Business Lending

NAICS

Other Insurance Funds (525190), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Merchant cash advances
• Alternative small business lending
• Asset-backed secured notes
• Working capital financing
• ISO broker partner program

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Merchant Cash Advance Origination: ACG originates merchant cash advances - one-time discounted purchases of defined portions of merchants' future sales receipts. Revenue generated from the spread between purchase price and repayment amounts. Advances range up to $1 million per deal with daily/weekly flexible repayment.
2. ACG Note Investor Returns: The firm raises capital from accredited investors through asset-backed secured notes, paying fixed annual returns (up to 12%) distributed monthly. ACG earns the spread between investor returns and merchant advance yields.
3. Partner Commissions: ISO and broker partners earn commissions up to 12% of funded deal amounts, paid on funding. Partners also earn residual commissions as merchants perform and renew.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Amsterdam Capital Solutions (d/b/a Amsterdam Capital Group) is a direct funder in the U.S. small-business credit market, originating merchant cash advances up to $1 million per deal with same-day decisions for businesses with $30,000+ monthly revenue. The firm also raises capital from accredited investors through the ACG Note, an asset-backed secured note paying fixed returns up to 12% annually with monthly distributions and a $100,000 minimum. ACG additionally operates an ISO/broker partner program paying commissions up to 12% per funded deal, with deals submitted directly to ACG's underwriting desk.

Product overview

Amsterdam Capital Group operates as a yield-focused alternative credit platform connecting sophisticated capital with the U.S. small-business credit market. The platform consists of three core offerings: (1) The ACG Note, an asset-backed secured note for accredited investors offering fixed returns up to 12% paid monthly; (2) Merchant Cash Advances providing working capital up to $1 million per advance to small businesses; and (3) an ISO/Broker Partner Program enabling brokers to submit deals directly to ACG's underwriting desk for commissions up to 12%. The platform is built on a proprietary underwriting and monitoring platform with five years of consistent operating history since founding in 2021.

Differentiator

Problem solved

Functional benefit

Products and services

• The ACG Note (Asset-Backed Secured Note) Fixed-rate investment product for verified accredited investors offered under Regulation D, Rule 506(c), paying up to 12% annual return distributed monthly, backed by short-duration small-business receivables. Features $100,000 minimum investment, flexible maturity starting at one year (locked to maturity), zero fees, and 1099-INT tax reporting. Investors go through a five-step subscription process including DocuSign documentation and direct wire instructions.
• Merchant Cash Advances Working capital funding product for U.S. small and medium businesses providing up to $1 million per advance with same-day underwriting decisions on approved files. Advances are one-time discounted purchases of defined portions of merchants' future sales receipts, with daily or weekly flexible repayment tied to actual sales. Targets businesses with $30,000+ average monthly revenue (or $1,500 average daily balance), one or more years in operation, and FICO 500+. Approval rate is approximately 2.5% reflecting a collectibility-first underwriting approach.
• ISO/Broker Partner Program Channel partner program enabling independent sales organizations (ISOs) and brokers to submit merchant deals directly to ACG's underwriting desk (not a marketplace). Partners earn commissions up to 12% per funded deal, paid on funding (not 30 days later), plus residual commissions as merchants renew. Each partner is assigned a dedicated relationship manager and receives same-day decisions on submitted files.

Quantifiable outcome

• 97% investor renewal rate demonstrates strong customer satisfaction and retention
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Saul N. Friedman & Co.coreOthersIndependent auditor providing annual financial statement audits and verification. Investors receive monthly distribution reports, quarterly portfolio reports, and annual audit briefings. The auditor's report is shared with investors as part of ongoing transparency.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Forward Financing: Direct competitor offering revenue-based financing and working capital advances to U.S. small businesses with similar collectibility-driven underwriting and ISO partner channels; comparable scale and product overlap with ACG.
• Credibly: Specialty finance company providing working capital, lines of credit, and term loans to SMBs with cash-flow-based underwriting; directly comparable business model and target customer to ACG.
• CAN Capital: One of the larger U.S. small business working capital providers offering MCAs and term products; similar SMB target market and underwriting approach to ACG.
• National Funding: Direct SMB funder providing working capital advances and equipment financing with broker/ISO partner channel; product set and go-to-market align closely with ACG.
• Capify: SMB working capital provider offering MCAs and small business loans in U.S. and UK with broker channel; closely comparable product offering and customer profile to ACG.

Broad incumbents

• BlueVine: Tech-enabled SMB finance platform offering lines of credit, invoice factoring, and term loans; targets overlapping SMB customer base with broader product suite than ACG and bank partnerships.
• OnDeck Capital (Enova International): Large online SMB lender offering term loans and lines of credit, owned by Enova International; broader product portfolio and balance sheet scale than ACG.
• Fundbox: Provides SMB working capital through lines of credit and invoice advances; competing on speed and UX with deeper product breadth and larger capital base than ACG.
• Kapitus (Strategic Funding Source): Multi-product SMB finance platform offering MCAs, term loans, equipment financing, and SBA loans; broader product set than ACG with similar underlying SMB customer segment.

Emerging players

• Parafin: Embedded capital platform offering working capital advances to SMBs via software integrations; intersects with ACG's merchant base through a different delivery model (platform-embedded vs. direct/ISO).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Amsterdam Capital Solutions