Adesso Capital
Adesso Capital (Encore Capital Financing, Inc.) is a U.S. financial services intermediary that connects small businesses—primarily in the restaurant, hotel, and hospitality sectors—with a network of bank and private lenders via a single online application, also offering tax credit recovery and payment processing services.
- Company typePrivate
- Founded2007
- HeadquartersScottsdale, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Adesso Capital does
Adesso Capital is a U.S.-based financial services intermediary, legally operating as Encore Capital Financing, Inc. (Delaware corporation, headquartered in Scottsdale, Arizona). Founded in 2007, the company connects small businesses — primarily in the restaurant, bar, hotel, and hospitality sectors — with a network of bank and private lender partners through a single online application. Its core product set spans Business Term Loans, Lines of Credit, SBA Loans, Accounts Receivable Financing, Merchant Cash Advances, and Equipment Financing, with facilitated ticket sizes ranging from $10,000 to over $1 million. Adesso is not a direct lender; it earns commissions or fees by matching borrowers with appropriate funding sources from its network. The company reports facilitating $1B+ in cumulative funding for 20,000+ small business clients over its operating history.
Beyond lending facilitation, Adesso has expanded into adjacent SMB financial services under the "Adesso Advantage" brand umbrella. These include Employee Retention Credit (ERC) and FICA Tip Credit tax recovery services — with reported average customer benefit of $40,000 in FICA Tip Credit — and the Adesso360 self-service tool for FFCRA claims targeting self-employed individuals. Most recently, the company added transparent payment processing services for credit card, contactless, mobile wallet, ACH, and online transactions with next-day funding. The go-to-market combines a self-service online application portal, a phone-based inside-sales team of dedicated financing specialists, and a channel network of 40+ statewide restaurant and hospitality association partnerships across the U.S. and Canada (including California Restaurant Association, NYSRA, Ohio Lodging, Wisconsin Hospitality, Illinois Restaurant, Massachusetts Lodging, and Ontario Restaurant Association).
Adesso Capital firmographics
Firmographics- Name
- Adesso Capital
- Legal name
- Encore Capital Financing, Inc.
- Website
- https://adessocapital.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Adesso Capital (Encore Capital Financing, Inc.) is a U.S. financial services intermediary that connects small businesses—primarily in the restaurant, hotel, and hospitality sectors—with a network of bank and private lenders via a single online application, also offering tax credit recovery and payment processing services.
- Ownership category
- akta.pro rank
Adesso Capital industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Sales Financing (52222)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
Keywords
Where Adesso Capital is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Adesso Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Operations
Revenue model
- Financing Facilitation Services: Adesso Capital acts as an intermediary between small businesses seeking financing and a network of bank and private lending partners. They earn fees or commissions by matching borrowers with appropriate lenders. The company is not a direct lender but facilitates connections.
- Tax Credit Services: Assisted businesses with Employee Retention Credit (ERC) filings before the deadline. Now provides support for FICA Tip Credit and other tax credit programs. Average customer receives $40,000 in tax credits through FICA Tip Credit program.
- Payment Processing Services: Payment processing services for restaurants, bars, and small businesses with transparent pricing. Revenue generated from transaction processing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Business financing from $10K to $1M+ |
| Outcome Based/ Performance | One time/ perpetual license | FICA Tip Credit - Average $40,000 benefit |
| Transaction based/ take rate | Pay-as-you-go | Payment Processing with transparent pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Adesso Capital product offering
Product offeringCore offering
Adesso Capital is a financing intermediary that connects small businesses with a network of bank and private lender partners through a single online application, facilitating business term loans, lines of credit, SBA loans, AR financing, merchant cash advances, and equipment financing ranging from $10,000 to over $1 million. The company also provides tax credit services (Employee Retention Credit, FICA Tip Credit, and Adesso360 FFCRA claims) and payment processing services for restaurants, bars, hotels, and other small businesses. Since 2007, Adesso has helped more than 20,000 small business owners secure over $1 billion in funding.
Product overview
Adesso Capital is a financial services platform offering a unified portfolio of financing products and tax credit services for small businesses. The core lending products include Business Term Loans, Lines of Credit, SBA Loans, AR Financing, Merchant Cash Advances, and Equipment Financing, all facilitated through a network of bank and private lender partners via a single application. Tax credit services include FICA (Tip) Credit, Employee Retention Credit (ERC), and Adesso360 for FFCRA claims. Additionally, Payment Processing Services provides transparent payment processing. The company connects businesses seeking $10K to over $1 million in financing with appropriate lending partners, offering specialized services for restaurants, bars, hotels, and hospitality businesses with an emphasis on tax credit recovery and working capital access.
Differentiator
Problem solved
Functional benefit
Brands
- Adesso Advantage: Brand family for tax services, payment solutions, and financing services under the Adesso umbrella.
Products and services
- Business Term Loan Short to medium-term financing option for businesses to fund operational needs, expansion, or major purchases with fixed repayment terms, facilitated through Adesso's network of bank and private lender partners.
- Lines of Credit Revolving credit facility allowing businesses to access funds as needed up to a set limit, paying interest only on drawn amounts.
- SBA Loans Small Business Administration-backed loans offering favorable terms and lower down payments for qualifying small businesses, facilitated through Adesso's lender network.
- AR Financing Accounts receivable financing that provides immediate cash flow by advancing funds against outstanding invoices.
- Merchant Cash Advances Advance capital based on future credit card sales, with repayments deducted as a percentage of daily revenue.
- Equipment Financing Financing specifically for purchasing equipment, where the equipment itself serves as collateral for the loan.
- FICA (Tip) Credit Tax credit program designed for tip-driven businesses like bars and restaurants to claim credits for tips employees earn, with average customer benefit of $40,000.
- Adesso360 (FFCRA Claims) Self-service tool for self-employed individuals and sole proprietors to claim federal FFCRA tax credits, with qualified applicants able to receive up to $32,220 back.
- Payment Processing Services Payment processing services with transparent pricing, supporting credit cards, contactless, mobile wallets, ACH, and online payments with next-day funding and dedicated onboarding for restaurants, bars, and small businesses.
Quantifiable outcome
- $1 billion+ in funding secured for 20,000+ small business owners since 2007
- +3 more outcomes
Companies that use Adesso Capital
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
Adesso Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature1 record
Adesso Capital partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and supporting.
- California Restaurant AssociationcoreStatewide restaurant association partnership through which Adesso offers exclusive financing and tax credit services to member businesses. Members may receive membership benefits including up to $500 for completing tax services.
- New York State Restaurant & Lodging Association (NYSRA)coreState restaurant and lodging association partnership providing financing services to NY hospitality members.
- Ohio Lodging Association (OHLA)coreState lodging association partnership for financing and business services.
- Wisconsin Hospitality Association (WHA)coreWisconsin hospitality association partnership for member financing services.
- Illinois Restaurant Association (IRA)coreIllinois restaurant association partnership for member financing and tax services.
- Ontario Restaurant Association (ORA)coreOntario (Canada) restaurant association partnership for member financing services.
- Massachusetts Lodging AssociationcoreMassachusetts lodging association partnership for member financing services.
- SalesforcesupportingCRM platform used for customer relationship management and sales tracking.
- Amazon Web ServicessupportingCloud infrastructure and web services platform for hosting and operating Adesso's online platforms.
- PayPalsupportingPayment processing integration for financial transactions.
- OktasupportingIdentity management and authentication platform used for customer portal login.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Adesso Capital competitors and assessment
Company assessmentDirect peers
- Lendio: Lendio operates an SMB loan marketplace connecting small businesses to a network of bank and alternative lenders through a single application. Closely comparable business model to Adesso across multiple product types and SMB customer base.
- Biz2Credit: Biz2Credit is an SMB lending marketplace and direct online lender serving small businesses with term loans, lines of credit, and SBA loans. Comparable to Adesso in the SMB loan brokerage/origination space, with broader product breadth.
- National Funding: National Funding is a direct SMB lender and broker offering working capital, equipment financing, and small business loans to similar under-$3M revenue SMB customers. Overlaps with Adesso's core financing products and customer profile.
- Fundbox: Fundbox provides invoice financing, lines of credit, and working capital solutions to small businesses. Directly comparable to Adesso's AR financing/invoice-based product and SMB target market.
- BlueVine: BlueVine offers SMB lines of credit, invoice factoring, and business banking. Comparable to Adesso on the AR financing/lines of credit side and competes for the same SMB customer with embedded payment processing.
- OnDeck (Envision Financial): OnDeck provides short-term SMB loans and lines of credit to small businesses. Comparable in product offering and target customer to Adesso's term loans and lines of credit.
- Fora Financial: Fora Financial provides working capital, merchant cash advances, and small business loans. Comparable to Adesso on MCA/working capital products and SMB customer focus.
- Credibly: Credibly offers working capital loans, lines of credit, and SBA loans to SMBs across industries. Comparable business model and product mix to Adesso's lending platform.
- Headway Capital: Headway Capital provides SMB lines of credit and working capital financing, overlapping with Adesso's line of credit and working capital offerings for small businesses.
- SBG Funding: SBG Funding is an SMB loan broker connecting small businesses with lenders across term loans, SBA loans, and lines of credit. Closely comparable model to Adesso's loan brokerage intermediary role.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Adesso Capital social profiles
Digital presenceAdesso Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Adesso Capital leadership team
Management profileNumber of profiles
Adesso Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Adesso Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Adesso Capital
What does Adesso Capital do?
Adesso Capital is a financing intermediary that connects small businesses with a network of bank and private lender partners through a single online application, facilitating business term loans, lines of credit, SBA loans, AR financing, merchant cash advances, and equipment financing ranging from $10,000 to over $1 million. The company also provides tax credit services (Employee Retention Credit, FICA Tip Credit, and Adesso360 FFCRA claims) and payment processing services for restaurants, bars, hotels, and other small businesses. Since 2007, Adesso has helped more than 20,000 small business owners secure over $1 billion in funding.
Is Adesso Capital a public or private company?
Adesso Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Adesso Capital founded?
Adesso Capital was founded in 2007. It employs 11 to 50 people.
Where is Adesso Capital based?
Adesso Capital is headquartered in Scottsdale, United States, in the North America region.
How does Adesso Capital make money?
Three revenue lines are on record. Financing Facilitation Services are the primary driver. The others are tax Credit Services and payment Processing Services.
Who are Adesso Capital's main competitors?
Direct peers on record are Lendio, Biz2Credit, National Funding, Fundbox, BlueVine, OnDeck (Envision Financial), Fora Financial, Credibly, Headway Capital and SBG Funding.
Does Adesso Capital have an API?
No public API is recorded for Adesso Capital.
What industry is Adesso Capital in?
Adesso Capital's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring. Its NAICS code is 52231 and its SIC code is 6159.