BFA Business Capital

What BFA Business Capital does

BFA Business Capital is a U.S.-based small business lending intermediary founded in 2022 and headquartered in Brooklyn, NY, with a workforce of 51-100 employees. The company originates and services a multi-product financing portfolio targeting small business owners across the credit-quality spectrum, from subprime borrowers (450+ FICO for ERC) through prime borrowers (630+ for SBA). Its six core offerings are SBA 7(a) loans (up to $10M, 30-year terms, 4-12 week funding), business lines of credit (up to $1M revolving, 1-3 day funding), unsecured term loans (up to $2M, up to 18 months), merchant cash advances (6-18 month tenor, credit-card-receipt-based repayment), invoice factoring (up to $1M lines), and Employee Retention Credit recovery services (claims up to $26,000 per W-2 employee).

The business operates a digital-first, sales-assisted distribution model. Each product has a dedicated SEO-optimized landing page with an online application flow, and a "Personalize Options" quiz routes prospects to the appropriate product. SBA 7(a) deals involve intensive documentation (three years of tax returns, personal financial statements, six months of business bank statements) and longer sales cycles, while MCA and lines of credit offer near-instant qualification. Revenue is generated primarily through origination fees, transaction-based spread on factored receivables, and contingency/professional-service fees on ERC recoveries.

No proprietary technology platform is disclosed; the public-facing website is built on Wix, and the company does not publish AI/ML, data, or technical stack information. No management team, ownership structure, investors, partnerships, patents, certifications, or funding rounds are disclosed in available sources. Pricing, interest rates, and ERC fees are not publicly listed and are described as determined case-by-case based on creditworthiness, business history, and revenue.

Name

BFA Business Capital

Legal name

BFA Business Capital

Website

https://bfa.business

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

BFA Business Capital is a Brooklyn-based small business lender founded in 2022, offering SBA 7(a) loans, lines of credit, term loans, merchant cash advances, invoice factoring, and ERC recovery services to U.S. SMBs across the credit-quality spectrum.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Sales Financing (52222)

SIC

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

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Small business lending
• SBA loans
• Business lines of credit
• Merchant cash advance
• Invoice factoring

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Small Business Lending: BFA Business Capital earns revenue through originating and servicing small business loans including SBA 7(a) loans, term loans, lines of credit, and merchant cash advances. Revenue is generated through interest income, origination fees, and processing fees charged on loan amounts. The company serves as an intermediary between small business borrowers and capital sources.
2. Employee Retention Credit Processing: BFA assists businesses in claiming the ERC tax credit against payroll taxes. Revenue likely comes from a percentage of the ERC credits recovered for clients (contingency-based or fee-for-service model).
3. Invoice Factoring: BFA provides invoice factoring services offering up to $1,000,000 lines to factor invoices, earning revenue through factoring fees or discount charges on the factored receivables.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

BFA Business Capital is a small business financing company that originates and services a portfolio of loan products, including SBA 7(a) loans, business lines of credit, unsecured term loans, merchant cash advances, invoice factoring, real estate financing, and Employee Retention Credit (ERC) recovery services. The company serves as an intermediary between small business borrowers and capital sources, earning revenue through interest income, origination fees, processing fees, and factoring discounts across funding amounts ranging from thousands to $10 million.

Product overview

BFA Business Capital is a small business financing company offering a portfolio of loan products designed to support business growth at various stages. The core offerings include SBA 7(a) Loans for established businesses seeking long-term capital with favorable terms, revolving Lines of Credit for flexible working capital access, Term Loans providing unsecured short-term financing, Merchant Cash Advances for businesses with high credit card volume but limited history, Employee Retention Credits as tax recovery services, and Invoice Factoring for immediate access to receivables. The company targets businesses with varying credit profiles, from 450+ to 630+ credit scores, and offers funding amounts ranging from thousands to $11 million depending on the product.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 7(a) Loans

Quantifiable outcome

• SBA loans approved in 4-12 weeks with terms up to 30 years
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights2 records

Direct peers

• Accion Opportunity Fund: Mission-driven small business and microenterprise lender offering SBA loans and small-dollar credit to underserved SMBs — comparable customer segment and SBA product focus.
• Fundbox: SMB fintech focused on invoice-based financing and revolving lines of credit — directly comparable to BFA's invoice factoring and lines of credit products.
• BlueVine: Digital SMB lender offering lines of credit, invoice factoring, and term loans — overlapping with most of BFA's non-SBA product stack and serving the same SMB segment.
• Biz2Credit: Online small business lending marketplace offering SBA loans, lines of credit, term loans, and MCA products to SMBs across the credit spectrum — directly comparable product breadth and SBA focus to BFA.
• National Funding: SMB lender offering working capital loans, merchant cash advances, and SBA loans with a digital application funnel — overlapping directly with BFA's core product portfolio.
• Rapid Finance: Direct small business lender offering merchant cash advances, lines of credit, and SBA loans — comparable product mix and credit profile targeting to BFA.
• Credibly: Provides working capital, term loans, lines of credit, and invoice factoring to small businesses, including those with lower credit profiles — a near-direct competitor in BFA's MCA and term loan segments.
• CAN Capital: Long-standing small business lender specializing in merchant cash advances and working capital — directly comparable to BFA's MCA product targeting sub-600 credit borrowers.

Broad incumbents

• Funding Circle: Public SMB lending platform offering term loans and lines of credit to small businesses — broader marketplace model but overlapping SMB financing customer base.
• OnDeck: Large, established online SMB lender offering term loans and lines of credit — broader scale and brand than BFA but overlapping product offering in working capital lending.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BFA-Business-Capital-100563218734196
• LinkedInlinkedin.com/company/bfa-business-capital

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 BFA Business Capital