Action Capital

What Action Capital does

Action Capital Corporation is a privately held, non-bank commercial finance company headquartered in Atlanta, Georgia, founded in 1959 to provide credit to government contractors and now operating across multiple small and medium-sized business (SMB) verticals. The firm offers three integrated credit products: Commercial Financing (factoring or financing facilities utilizing accounts receivable and earned but unbilled revenue, from $50,000 to $7,000,000); Asset Based Lending (ledgered lines of credit collateralized by accounts receivable up to $7,000,000, with documented ceilings up to $15,000,000); and Government Contractor Financing (lines of credit against federal, state, or local government prime or subcontract receivables and earned but unbilled revenue). Advances reach up to 90% of qualified trade receivables and 85% of earned but unbilled assets.

The company's core technology stack consists of a web-based client reporting portal (reporting.actioncapital.com) providing daily borrowing base reports, a centralized lockbox service for processing customer payments, and PDF-based application intake — there is no API, no mobile app, and no disclosed AI/ML component. Underwriting and portfolio management are conducted manually by an in-house team operating under a sales-led go-to-market motion with dedicated portfolio managers assigned to each client.

Action Capital earns revenue through interest charged monthly in arrears on the average net balance borrowed at a floating rate based on prime, plus transaction fees from factoring and accounts receivable financing arrangements. Pricing is quote-based and not publicly disclosed, with no origination, termination, or treasury fees and no minimum utilization requirement. The company serves approximately 300 active clients across industries including government contractors, wholesalers, manufacturers, technology businesses, staffing companies, healthcare businesses, importers, and professional services firms throughout the United States, with $150mm in funds outstanding and a Dun & Bradstreet 4A2 credit rating.

Name

Action Capital

Legal name

Action Capital Corporation

Website

https://actioncapital.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

11–50 employees

Short description

Action Capital Corporation is a privately held, Atlanta-based non-bank commercial finance company founded in 1959 that provides asset-based lending, factoring, and accounts receivable financing facilities (from $50K to $15mm) to approximately 300 small and medium-sized businesses across government contracting, manufacturing, technology, staffing, healthcare, and professional services in the United States.

Ownership category

akta.pro rank

Product category

Commercial Finance / Asset-Based Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

akta.pro secondary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Asset-based lending
• Accounts receivable financing
• Factoring services
• Working capital financing
• Government contractor financing

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Interest on Credit Facilities: Action Capital generates revenue by charging interest on the outstanding balances of credit facilities. Interest is charged monthly in arrears on the average net balance borrowed. The interest rate is floating and based on prime rate.
2. Factoring and Accounts Receivable Financing Fees: Revenue is generated through factoring and accounts receivable financing facilities. The company advances up to 90% of qualified trade receivables and earns fees on these transactions.
3. Earned but Unbilled Revenue Financing: Additional financing against earned but unbilled revenue for service companies and government contractors, providing capital availability on assets that arise when work is performed but billing is pending due to customer requirements.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Action Capital Corporation is a commercial finance company providing factoring facilities, accounts receivable financing, and asset-based ledgered lines of credit to small and medium-sized businesses across the United States. Its credit facilities range from $50,000 to up to $15 million, with advance rates up to 90% on qualified trade receivables and 85% on earned but unbilled revenue, supported by dedicated portfolio managers, a web-based client reporting platform, and a centralized lockbox service.

Product overview

Action Capital Corporation is a commercial finance company offering three integrated credit products: Commercial Financing (factoring and accounts receivable financing facilities from $50,000 to $7,000,000), Asset Based Lending (ledgered lines of credit based on accounts receivable up to $7,000,000), and Government Contractor Financing (government receivables-backed lines up to $7,000,000). These products provide working capital financing to small and medium-sized businesses including government contractors, wholesalers, manufacturers, technology businesses, staffing companies, healthcare businesses, importers, and professional services businesses, with advance rates up to 90% of eligible receivables.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Financing Factoring or financing credit facilities utilizing accounts receivable and earned but unbilled revenue, providing working capital financing to U.S. small and medium-sized businesses. Facilities range from $50,000 to $7,000,000 with advance rates up to 90% of qualified trade receivables.
• Asset Based Lending Ledgered lines of credit collateralized by accounts receivable, providing borrowing availability up to $7,000,000 with daily borrowing base reporting and advance rates up to 90% of qualified trade receivables. Standard terms allow ledgered lines up to $15 million for clients maintaining excess borrowing availability.
• Government Contractor Financing Accounts receivable and earned but unbilled lines of credit on federal, state, or local government prime or subcontracts up to $7,000,000, supporting government contractors with assignment of claims processes, support letters for contract bids, and escrow agent services.

Quantifiable outcome

• Up to 90% advance rate on qualified trade receivables
• +4 more outcomes

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

• LSQ: LSQ is a direct non-bank competitor providing factoring, asset-based lending, and accounts receivable financing to SMBs across the US — closely overlapping with Action Capital's products, target market, and asset-based underwriting approach.
• eCapital: eCapital is a direct non-bank alternative finance provider offering factoring, ABL, and working capital lines to SMBs — overlapping with Action Capital in product mix (factoring, ledgered lines) and target segments including staffing and government contractors.
• Tiger Capital Group: Tiger Capital Group provides factoring and asset-based working capital financing to small and mid-sized businesses, directly competing with Action Capital in the same non-bank receivables-financing niche.
• Crest Capital: Crest Capital offers small business factoring and asset-based financing for SMBs across multiple industries — directly comparable to Action Capital in customer profile, facility sizes, and product offerings.
• TAB Bank: TAB Bank provides asset-based lending and factoring to SMBs across the US, overlapping with Action Capital's receivables-backed lending model and target customer base.
• Sallyport Commercial Finance: Sallyport Commercial Finance is a non-bank asset-based lender providing factoring and working capital facilities to SMBs — directly comparable to Action Capital in product structure, facility sizing, and underwriting flexibility.
• White Oak Commercial Finance: White Oak Commercial Finance provides asset-based lending, factoring, and working capital facilities to mid-market and SMB borrowers across the US — directly comparable to Action Capital's product suite.

Emerging players

• AltLine (The ABL Alliance): AltLine operates a managed ABL program partnered with community banks, serving SMB borrowers — comparable to Action Capital's asset-based receivables-lending approach but distributed through partner banks rather than directly.
• Bluevine: Bluevine is a fintech offering invoice factoring and working capital lines to small businesses — emerging player with partial overlap targeting the same SMB working capital segment Action Capital serves.

Broad incumbents

• Wells Fargo Capital Finance: Wells Fargo Capital Finance is a broad incumbent offering asset-based lending, factoring, and receivables-backed financing as part of a much larger commercial banking franchise — competing with Action Capital at the larger end of the SMB working capital market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/action_capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Action Capital