AmRock Financial

What AmRock Financial does

AmRock Financial Services LLC, founded in 2007 and headquartered in Miami, Florida (1001 Brickell Bay Drive, 27th Floor), operates as a business loan advisory and two-sided marketplace that connects small and mid-sized businesses (SMBs) with financing sources across a curated network of 1,700+ pre-approved banks and non-bank lenders in the United States, Canada, Europe, and Latin America. The firm markets 14 distinct financing products, including Asset Based Loans, SBA Loans, Factoring, MCA Loans, Mezzanine Financing, Purchase Order Financing, Equipment Financing, Inventory Financing, Accounts Receivable/Payable Financing, Real Estate Financing, Aircraft Financing, Trade Financing, and Credit Insurance, with debt structures ranging from $1M to $100M.

The core technology is an internal AI-powered matching algorithm that ingests client financial data and pairs borrowers with optimal lenders from the marketplace, supported by a recommendation engine and process automation used in the Advisory Services line launched in February 2025. The go-to-market motion is sales-led and consultative: introductory consultation, financial analysis and underwriting summary, algorithmic lender matching, term negotiation, and funding. Revenue is generated exclusively through transaction-based success fees charged to borrowers upon successful loan funding—no upfront fees, no retainers—which structurally aligns AmRock's incentives with client outcomes. Since inception the company reports facilitating over $1 billion in financing and credit insurance for more than 500 small and mid-sized businesses.

The firm is privately held, founder-led by CEO Frank Tomasino, and operates without disclosed institutional investment, subsidiaries, or public market presence. In February 2025 it launched AmRock Advisory Services under Managing Director Chalva Tchkotoua, extending AI-driven go-to-market strategy, branding, and web advisory as a complementary revenue line beyond loan brokerage.

Name

AmRock Financial

Legal name

AmRock Financial Services LLC

Website

https://amrockfinancial.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

AmRock Financial is a Miami-based business loan advisory and marketplace founded in 2007, connecting small and mid-sized businesses in the US, Canada, Europe, and Latin America with financing through a network of 1,700+ lenders via an AI-powered matching algorithm.

Ownership category

akta.pro rank

Product category

Commercial Loan Brokerage and Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

akta.pro secondary industries

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Capital Raising Advisory (Equity & Equity-Linked) (FSAEAGAC)

Keywords

• Business loan brokerage
• Commercial financing marketplace
• Small business lending
• Lender matching platform
• Debt advisory services

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Success Fee on Funded Loans: AmRock Financial charges no upfront fees to small business owners. They only charge modest success fees based on performance (i.e., only after the client receives funding). This aligns the firm's incentives with client outcomes.
2. MCA and Alternative Business Loan Matching: The firm matches businesses with MCA direct lenders and alternative business loan products by comparing revenue against their network of 1,700+ lenders to find sustainable solutions. Revenue generated through lender referrals and transaction fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AmRock Financial is a business loan advisory and broker marketplace that helps small and mid-sized businesses secure $1M to $100M in financing by matching them with the right lenders from its network of 1,700+ pre-approved banks and non-bank lenders. The firm uses an internal AI-powered algorithm to analyze borrower financials and shortlist optimal loan offers across 14 financing product categories, then negotiates terms on the borrower's behalf, charging no upfront fees and only a performance-based success fee upon funding. In addition, AmRock launched Advisory Services in February 2025 to provide AI-driven strategic guidance on branding, design, and go-to-market positioning.

Product overview

AmRock Financial operates as a business loan advisory and marketplace platform connecting small and mid-sized businesses with funding solutions through a network of 1,700+ pre-approved banks and non-bank lenders. The platform offers a portfolio of 14 distinct financing products including Aircraft Financing, Accounts Receivable Financing, Accounts Payable Financing, Asset Based Loans, Credit Insurance, Factoring, Inventory Financing, Equipment Financing, Purchase Order Financing, MCA Loans, Mezzanine Financing, Real Estate Financing, SBA Loans, and Trade Financing. The core offering is a marketplace matching service that uses an internal algorithm and AI engine to match borrowers with optimal lenders. Additionally, the company launched Advisory Services in February 2025 as a complementary service providing strategic guidance, branding, and web solutions using AI-driven insights. Debt structures range from $1 million to $100 million.

Differentiator

Problem solved

Functional benefit

Brands

• AmRock Advisory Services: Expert guidance in creative storytelling, innovative design, branding, and web solutions using AI-driven insights through proprietary algorithms. Helps borrowers refine market positioning and execute go-to-market strategies.

Products and services

• SBA Loans SBA loan sourcing and structuring through AmRock's pre-approved lender network for small and mid-sized businesses.
• Asset Based Loans Asset-based loan advisory and matching through AmRock's pre-approved lender network for businesses with collateralized financing needs.
• Factoring Factoring solutions matched and negotiated through AmRock's lender marketplace for businesses seeking liquidity against receivables.
• Equipment Financing Equipment financing matched from AmRock's lender network for small and mid-sized businesses purchasing or leasing equipment.
• MCA Loans Merchant Cash Advance loan advisory and matching through AmRock's lender network for businesses needing working capital based on revenue.
• Mezzanine Financing Mezzanine financing structured and matched through AmRock's lender network as a hybrid debt/equity solution for growth or acquisition financing.
• Real Estate Financing Real estate financing matched through AmRock's lender network for commercial property acquisition or refinancing.
• Trade Financing Trade financing matched through AmRock's lender network for importers and exporters needing structured trade-related funding.
• Purchase Order Financing Purchase order financing matched through AmRock's lender network for businesses needing capital to fulfill large customer orders.
• Inventory Financing Inventory financing matched through AmRock's lender network for businesses needing capital against inventory assets.
• Accounts Receivable Financing Accounts receivable financing sourced through AmRock's lender network for businesses seeking working capital against outstanding invoices.
• Accounts Payable Financing Accounts payable financing matched through AmRock's lender network for businesses seeking to extend payment terms or manage cash flow timing.
• Aircraft Financing Aircraft financing sourced through AmRock's lender network for businesses or individuals financing aircraft acquisition or refinancing.
• Credit Insurance Credit insurance solutions sourced through AmRock's network to protect businesses (particularly importers/exporters) against non-payment risk.
• AmRock Advisory Services AI-driven strategic advisory service for AmRock borrowers, providing creative storytelling, innovative design, branding, and web solutions to refine market positioning and execute go-to-market strategies.

Quantifiable outcome

• $1 billion+ in financing and credit insured since 2007
• +2 more outcomes

Named customers7 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature2 records

Scale indicators6 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Lendio: Operates a similar SMB loan marketplace, matching small business borrowers to a network of lenders across SBA, MCA, lines of credit, and equipment financing. Closest direct comparator given shared marketplace/broker model.
• Fundera (a Bankrate company): Online SMB loan marketplace connecting borrowers to a network of lending partners. Competes directly in the same broker-driven model serving small businesses seeking working capital and term loans.
• National Business Capital: SMB-focused loan marketplace with a network of 75+ lenders offering SBA, MCA, equipment financing, and working capital solutions. Direct competitor in the alternative lending brokerage space.
• Biz2Credit: Online SMB lending marketplace matching borrowers to banks and alternative lenders. Comparable in target segment, lender network structure, and use of technology to facilitate loan matching.
• SmartBiz: SBA loan-focused marketplace for small businesses, using technology to streamline lender matching. Comparable in SMB focus and digital marketplace approach, though narrower in product set.

Broad incumbents

• Funding Circle US: Online SMB lender operating its own balance sheet rather than brokering. Adjacent competitor serving overlapping borrower base; represents the disintermediation risk AmRock faces from direct lenders.
• BlueVine: Fintech offering direct lines of credit, invoice factoring, and term loans to SMBs. Comparable SMB target market but bypasses the broker model, representing direct competition for placement.
• OnDeck Capital: Established online SMB lender providing term loans and lines of credit directly. Same target customer (SMBs needing working capital) but a direct origination model rather than marketplace/broker.

Emerging players

• Kapitus (formerly Strategic Funding Source): Provides SMB financing including working capital, equipment leasing, and SBA loans through its own and partner lender capital. Comparable in product breadth and SMB focus.

Others

• Accion Opportunity Fund (formerly Accion): Mission-driven SMB lender providing loans and advisory services to underserved small businesses. Comparable target segment (underserved SMBs) with a complementary rather than directly competitive offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AmrockFinancial
• Facebookfacebook.com/amrockfinancialllc
• LinkedInlinkedin.com/company/amrock-financial-services-llc
• Instagraminstagram.com/amrockfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 AmRock Financial