CreditHub

What CreditHub does

CreditHub, founded in 2011 and headquartered in Chattanooga, Tennessee, is a digital lending platform that connects small-to-mid-sized businesses, startups, and minority-owned firms with up to $20,000,000 in business financing within 72 hours or less. The platform operates as a white-label Business Partner of ConsumerDirect, Inc., a Nevada corporation that supplies the underlying credit, money management, and identity protection technology stack. CreditHub layers on a proprietary intelligent matching algorithm and a network of lending partners across product categories including SBA loans, AR/PO finance, equipment finance, revenue finance, securities financing, 504 loans, commercial real estate, and term loans, supported by a human team of dedicated lending specialists who guide applicants through offer selection.

The technology stack combines a self-serve web and app portal (credithubaccess.com) with tools including FundingPulse™ (financial health assessment), CreditHub Choice (personalized financing quiz), ScoreBoost™ (Vantage 3.0 credit score simulator), ScoreBuilder®, ScoreTracker, Money Manager, PrivacyMaster, and $1M identity fraud insurance. Security posture is anchored by SOC2 Type 2 certification and PCI DSS Level 1 compliance. The platform claims machine-learning-driven credit monitoring, anomaly detection, and personalized recommendations as core capabilities, though the underlying credit/identity suite is inherited from ConsumerDirect.

CreditHub operates a hybrid GTM combining product-led acquisition (a free Plus tier and a $37.49/month Premium tier with a $1 five-day trial) with inside sales from lending specialists. Revenue is generated through two streams: recurring membership subscriptions and lender referral fees on funded transactions. Distribution extends beyond direct SMB acquisition via Enterprise Membership (B2B access for employees), Franchise Membership (reseller channel), and community lending partnerships, exemplified by a November 2025 partnership with Freedom Equity in Ohio. The company maintains regional offices across Tennessee, Georgia, and Colorado, serving clients nationwide, and has received mid-tier regional recognition including the 2022 Acquisition International 'Best Regional Business Financing Solutions Provider in Southeast USA' award and the 2021 City's Best Award.

Name

CreditHub

Legal name

ConsumerDirect, Inc.

Website

https://credithubaccess.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

CreditHub is a digital lending platform that connects small-to-mid-sized businesses, startups, and minority-owned firms with up to $20 million in business funding and credit management tools via intelligent matching algorithms and dedicated lending specialists across the United States.

Ownership category

akta.pro rank

Product category

Business Lending Platform

NAICS

Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522), Credit Bureaus (561450)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSAGALAD

Embedded Lending & Credit (POS, Working Capital, Credit Lines)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAGADAE

Credit Score Monitoring & Credit Building

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

SECONDARYFSAKAKAA

Credit Bureaus & Consumer Credit Reporting Agencies

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

Keywords

• Business lending
• Small business funding
• Credit monitoring
• Commercial financing
• Credit building

Headquarters

HQ city

Chattanooga

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Membership Subscriptions: Two-tier subscription model: CreditHub Plus (free) provides basic credit awareness and loan matching; CreditHub Premium at $37.49/month includes data protection, identity alerts, cashflow management, and $1 million identity protection. Premium membership is positioned for startups and offers enhanced features.
2. Lender Referral Fees: Comparing options is free for customers. Once funded, CreditHub receives a percentage from the financial provider, meaning customers pay nothing to use the platform. This creates a commission-based revenue stream from the network of lending partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

CreditHub operates a digital lending platform that connects small and mid-sized businesses with a network of lenders offering business financing products (SBA loans, AR/PO finance, equipment finance, revenue finance, commercial real estate, securities financing, 504 loans) up to $20 million with decisions typically within 24 hours and express funding within 72 hours. The company pairs its intelligent matching algorithm with dedicated lending specialists and adds two membership tiers (free CreditHub Plus and $37.49/month CreditHub Premium) that include credit monitoring, score tracking, money management, and identity protection features.

Product overview

CreditHub is a full-service digital lending platform offering a comprehensive suite of products and services for business financing and personal credit management. The core CreditHub Access Platform combines intelligent matching technology with human lending specialists to connect businesses with appropriate funding options. The product portfolio includes two membership tiers (CreditHub Plus free and CreditHub Premium at $37.49/month), various financing products (Business Funding, AR/PO Finance, Commercial Real Estate, Equipment Finance, Revenue Finance, Securities Financing, SBA Loans, 504 Loans), and credit management tools (Credit Report, Credit Boost, Credit Builder, Credit Tracker, Money Manager, PrivacyMaster, Live ID Alerts, Action Buttons, $1MM Identity Fraud Insurance). The platform also offers specialized offerings including FundingPulse™ for financial health assessment, CreditHub Choice for personalized financing guidance, Business Credit Software for building business credit, and Enterprise and Franchise Membership programs for B2B distribution. Recent additions include FundingPulse™ and CreditHub Choice launched in 2022.

Differentiator

Problem solved

Functional benefit

Brands

• FundingPulse: An all-in-one financial health assessment tool for businesses that assists with entity formation to financial analysis.
• CreditHub Choice
• CreditHub Plus
• CreditHub Premium
• PrivacyMaster
• ScoreTracker
• ScoreBuilder
• ScoreBoost
• Smart Credit Report

Products and services

• CreditHub Access Platform

Quantifiable outcome

• Access to up to $20,000,000 in business funding within 72 hours or less
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• Freedom EquitycoreStrategic or Co-development Partner · 12 November 2025Freedom Equity and CreditHub Access partnered to improve credit access for small business owners in Ohio. The initiative includes tools for credit improvement, data protection, financial education, and funding options, with plans to expand community engagement. This partnership represents CreditHub's expansion into community lending programs.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LendingTree: National online lending marketplace that matches consumers and SMBs with multiple lenders across personal, business, mortgage, and student loans. Most direct comparable to CreditHub's multi-lender matching platform and lender referral fee model.
• Lendio: SMB loan marketplace connecting small businesses to a network of lenders offering SBA loans, term loans, lines of credit, equipment financing, and more. Closely matches CreditHub's SMB-focused multi-product brokerage and inside-sales-led model.
• Fundera: Online SMB loan marketplace (owned by NerdWallet) matching businesses to bank term loans, SBA loans, lines of credit, and equipment financing. Directly comparable in target customer (SMBs seeking business funding) and brokered-loan model.
• Nav: Business credit and lending platform offering free business credit reports and scores, financing options, and a lender marketplace for SMBs. Highly comparable to CreditHub's combination of credit monitoring, business credit building, and matched loan offerings.
• Fundbox: SMB working capital and invoice financing platform providing short-term credit lines to small businesses. Comparable to CreditHub's AR/PO finance and revenue finance products for SMBs needing working capital.
• BlueVine: SMB-focused online lender offering lines of credit, invoice factoring, and term loans to small businesses. Overlaps with CreditHub's AR/PO finance, lines of credit, and SMB credit-building offerings.
• OnDeck: Direct online lender to small businesses providing term loans and lines of credit. Comparable SMB target customer and short-term working capital products, although OnDeck funds loans directly rather than brokering.
• CAN Capital: SMB loan broker and direct lender specializing in short-term working capital, term loans, and merchant cash advances for small businesses. Closely comparable to CreditHub's revenue finance/MCA and SMB-focused approach.
• SmartBiz: Online SBA loan marketplace and lender partner that streamlines SBA 7(a) and PPP loan applications for small businesses. Direct comparable to CreditHub's SBA loan brokering and government-backed financing products.

Broad incumbents

• Credit Karma: Mass-market consumer credit monitoring and personal finance platform with credit scores from all three bureaus, recommendations, and financial product referrals. Comparable to CreditHub's credit-monitoring-and-tools consumer layer, though at vastly larger scale and broader consumer focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/credithubaccess
• Facebookfacebook.com/credithubaccess
• LinkedInlinkedin.com/company/credithubaccess

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 CreditHub