US Business Funding
US Business Funding is a US-based alternative SMB lender offering term loans, lines of credit, revenue-based financing, and equipment financing from $10K to $2M through an online application with 24-hour decisions and 1-3 day funding.
- Company typePrivate
- Founded2008
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What US Business Funding does
Business model is sales-led with a self-serve digital front end: customers originate via the corporate website, phone, or email, with no disclosed broker or ISO channel and no physical branch network beyond the New York HQ. Pricing is not publicly disclosed and is quote-based per application. The company has 11-50 employees, no disclosed investors, no funding rounds, no public revenue, no patents, no awards, no certifications, and only one disclosed acquisition (Focus Money Group, February 2010). Leadership disclosed is limited to three department heads covering renewals, sales, and capital, with no founders, executives, or board identified in the source material.
US Business Funding firmographics
Firmographics- Name
- US Business Funding
- Legal name
- US Business Funding
- Website
- https://usbfund.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- US Business Funding is a US-based alternative SMB lender offering term loans, lines of credit, revenue-based financing, and equipment financing from $10K to $2M through an online application with 24-hour decisions and 1-3 day funding.
- Ownership category
- akta.pro rank
US Business Funding industry classification
Industry- Product category
- Business Lending
- NAICS
- Other Nondepository Credit Intermediation (52229)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where US Business Funding is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
US Business Funding business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Business Term Loans: Fixed payment loans with competitive rates and terms up to 5 years. Provides upfront capital for business needs with predictable repayment schedules.
- Lines of Credit: Flexible access to capital allowing businesses to draw funds as needed. Revolves based on repayment, providing ongoing access to working capital.
- Revenue-Based Financing: Repayments scale with business revenue. Provides funding without traditional collateral requirements.
- Equipment Financing: Funding specifically designated for equipment purchases, with terms tied to the useful life of the equipment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Flexible funding from $10K to $2M |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels1 record
US Business Funding product offering
Product offeringCore offering
US Business Funding is a private business financing provider that originates and services loans for US-based small and mid-sized businesses. It offers four core products — Business Term Loans (fixed payments, up to 5-year terms), Lines of Credit (revolving access), Revenue-Based Financing (repayments tied to revenue), and Equipment Financing — with funding ranging from $10,000 to $2,000,000 delivered through a streamlined online application with decisions issued within 24 hours.
Product overview
US Business Funding operates as a unified business financing platform offering four distinct funding products: Business Term Loans (fixed-rate loans with terms up to 5 years), Lines of Credit (flexible revolving access to capital), Revenue-Based Financing (repayments that scale with business revenue), and Equipment Financing (dedicated funding for equipment purchases). The platform connects small and medium-sized businesses with funding from $10,000 to $2 million through a streamlined online application process with same-day decisions and direct deposit of funds. All products share the same application infrastructure, with decisions made in approximately 24 hours and funding deposited within 1-3 business days.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Average decision time: 24 hours (vs. industry standard of weeks)
- +3 more outcomes
Companies that use US Business Funding
Customer profileSegments1 record
Ideal customer profiles1 record
US Business Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
US Business Funding partnerships and signals
Strategic signalScale indicators6 records
Recent moves3 records
Expansion highlights4 records
US Business Funding competitors and assessment
Company assessmentEmerging players
- Accion: Accion provides small business loans and advisory services to underserved US small businesses, including those with limited credit history. It targets a similar underserved customer segment as US Business Funding, though with a nonprofit/mission-driven model.
- Lendio: Lendio operates an SMB lending marketplace that connects borrowers with multiple capital providers, including term loans, lines of credit, and equipment financing. It is a comparable distribution model in US SMB lending, though it functions as a broker rather than direct originator.
- Biz2Credit: Biz2Credit matches small businesses with loan products from its network of lenders, including term loans, lines of credit, and SBA loans. It is a comparable SMB lending intermediary with overlapping target customers.
Direct peers
- Fora Financial: Fora Financial offers working capital advances and small business loans to US SMBs with a focus on speed of funding. It directly competes with US Business Funding in the fast-turnaround SMB financing segment.
- OnDeck Capital (now Enova subsidiary): OnDeck provides online term loans and lines of credit to small businesses in the US, typically in the $5K–$250K range. It is a direct competitor in the online SMB working capital space, with a similar product mix and digital application model.
- CAN Capital: CAN Capital provides working capital loans, term loans, and merchant cash advances to small businesses in the US. It is a direct peer with a comparable product set focused on the underserved SMB segment.
- BlueVine: BlueVine offers lines of credit, term loans, and invoice factoring to small and mid-sized US businesses. It is a direct competitor in the SMB online lending category, competing for the same customer profile and deal size.
- Fundbox: Fundbox provides lines of credit and working capital advances to small businesses, with a digital application and quick-decision model. It is a direct competitor in the SMB online working capital space.
- Funding Circle US: Funding Circle operates an online SMB lending marketplace in the US offering term loans to small businesses. It is a direct peer in digital SMB lending with a similar application process and target market.
- National Funding: National Funding provides working capital loans, equipment financing, and small business loans to US SMBs. It is a direct peer offering a similar multi-product SMB financing platform.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
US Business Funding social profiles
Digital presenceUS Business Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
US Business Funding leadership team
Management profileNumber of profiles
Profiles3 records
US Business Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
US Business Funding M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about US Business Funding
What does US Business Funding do?
US Business Funding is a private business financing provider that originates and services loans for US-based small and mid-sized businesses. It offers four core products — Business Term Loans (fixed payments, up to 5-year terms), Lines of Credit (revolving access), Revenue-Based Financing (repayments tied to revenue), and Equipment Financing — with funding ranging from $10,000 to $2,000,000 delivered through a streamlined online application with decisions issued within 24 hours.
Is US Business Funding a public or private company?
US Business Funding is a private company. It is classified as unknown and is currently operating.
When was US Business Funding founded?
US Business Funding was founded in 2008. It employs 11 to 50 people.
Where is US Business Funding based?
US Business Funding is headquartered in New York, United States, in the North America region.
How does US Business Funding make money?
Four revenue lines are on record. Business Term Loans are the primary driver. The others are lines of Credit, revenue-Based Financing and equipment Financing.
Who are US Business Funding's main competitors?
Emerging players on record are Accion, Lendio and Biz2Credit. Direct peers are Fora Financial, OnDeck Capital (now Enova subsidiary), CAN Capital, BlueVine, Fundbox, Funding Circle US and National Funding.
Does US Business Funding have an API?
No public API is recorded for US Business Funding.
What industry is US Business Funding in?
US Business Funding's product category is Business Lending. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52229 and its SIC code is 6153.