Cornerstone Capital

What Cornerstone Capital does

Cornerstone Capital, operating as Cornercap Inc, is a non-bank business financing company founded in 2001 and headquartered in Chino, California. The firm originates equipment financing, working capital loans, SBA 7(a) loans, and accounts receivable financing for small and mid-sized U.S. businesses that are unable or unwilling to borrow from traditional banks. Its core product suite spans application-only equipment financing up to $500,000, commercial equipment programs up to $10,000,000, working capital term loans with five-year terms, SBA-backed ten-year loans, and receivable financing that delivers 95% of invoice value within 24 hours. Differentiated programs include a Corporation Only product (no personal guarantee), second-chance financing for challenged-credit borrowers, and seasonal/deferred payment structures.

The underlying technology is modest: a Wix-hosted marketing website, an online application portal (application.cornercapital.com), and an SMS communications platform used for customer outreach. Underwriting is described as relationship-based, reviewing actual business performance rather than automated credit scoring, with approvals targeted within 24-72 hours. The company holds California Finance Lender License No. 60DBO-51486 and maintains relationships with SBA Preferred Lenders, private investors, and institutional/non-institutional lenders that supply capital for its programs.

Operationally, Cornerstone runs with 1-10 employees out of a single Chino, CA office suite and serves clients nationally across the United States. Its go-to-market is sales-led and relationship-driven, combining inside sales (951-223-4777), online applications, content marketing via blog and YouTube, and referral influence through BBB A+ accreditation and AACFB membership. Revenue mechanics are primarily origination-driven via interest income and financing fees on equipment and working capital loans, transaction fees on factored receivables, and spread income on SBA originations routed through Preferred Lender partners.

Name

Cornerstone Capital

Legal name

Cornercap Inc

Website

https://cornercapital.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Cornerstone Capital (Cornercap Inc) is a non-bank SMB lender founded in 2001 in Chino, CA, originating equipment financing ($5K-$10M), working capital loans, SBA 7(a) loans, and accounts receivable financing for U.S. businesses unable to access traditional bank credit.

Ownership category

akta.pro rank

Headquarters

HQ city

Chino

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. Equipment Financing: Provides financing for equipment purchases and leasing. Application-only programs up to $500,000 and commercial programs up to $10,000,000. Generates revenue through interest rates and financing fees.
2. Working Capital Loans: Traditional working capital loans and lines of credit with terms up to 5 years. Revenue generated through interest payments on the loan principal.
3. SBA 7(a) Loans: SBA-backed loans with 10-year terms offering competitive rates. Revenue from interest and origination fees.
4. Accounts Receivable Financing: Receivable financing allowing companies to get up to 95% of receivables paid within 24 hours of invoicing. Revenue generated through fees charged on the financed receivables.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Cornerstone Capital (legal entity Cornercap Inc) is a non-bank commercial lender providing equipment financing and leasing ($5,000 to $10,000,000), working capital loans and lines of credit with up to 5-year terms, SBA 7(a) loans with 10-year terms, and accounts receivable financing that advances up to 95% of receivables within 24 hours of invoicing. The company serves small and mid-sized businesses across all industries in the United States, with fast 24-72 hour approvals and flexible qualification criteria that review real business performance rather than credit scores alone.

Product overview

Cornerstone Capital is a non-bank business financing company offering a comprehensive suite of lending products. The core offerings include Equipment Financing & Leasing (ranging from $5,000 application-only programs up to $10,000,000 commercial programs), Working Capital Loans (traditional lines of credit and term loans with 5-year terms), SBA 7(a) Loans (government-backed financing up to $5 million with 10-year terms), and Receivable Financing/Factoring (enabling 95% receivables advance within 24 hours). These products work together to serve businesses across the full financing lifecycle—from equipment acquisition and operational capital to cash flow management and debt consolidation. The company also offers specialized programs including Corporation Only Transactions (no personal guarantee required), Second-Chance Financing for challenged credit situations, Seasonal Payment Structures for businesses with cyclical revenue, and Deferred Payment Programs. The company positions itself as an alternative to traditional banks with faster approvals and flexible qualification criteria.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Financing & Leasing Full-service equipment financing and leasing program covering all industries, equipment types, and commercial vehicles, with application-only financing up to $500,000 and commercial programs up to $10,000,000 for small and mid-sized businesses.
• Working Capital Loans Traditional working capital solutions including lines of credit and term loans with up to 5-year terms, low simple-interest rates, and no pre-payment penalties, designed for small and mid-sized businesses needing operational capital.
• SBA 7(a) Loan Small Business Administration-backed loan program offering up to $5 million with 10-year terms and competitive rates, providing government-backed financing for small businesses that reduces lender risk.
• Receivable Financing (Factoring) Accounts receivable financing enabling businesses with commercial clients on net terms to receive up to 95% of receivables within 24 hours of invoicing, freeing up cash flow through fees charged on the financed receivables.
• Second-Chance Financing Program Financing program designed for businesses with challenged credit histories, providing alternative funding pathways for entrepreneurs who may not qualify through traditional lending channels.
• Refinance Services Refinancing solutions allowing businesses to consolidate short-term loans, merchant cash advance daily/weekly payments, or cash advances into a single low monthly payment over an extended term.

Quantifiable outcome

• Fast approvals and funding in as little as 24 to 72 hours
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Preferred SBA LenderscoreChannel Partner/ Reseller/ DistributorWorks with SBA Preferred Lenders who have authority to make final credit decisions on SBA loans without waiting for SBA approval. This speeds up the approval process dramatically.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CAN Capital: CAN Capital (now backed by AloStar Capital Finance) provides working capital and small-business loans with flexible credit criteria for SMBs, directly overlapping with Cornerstone's working-capital and second-chance financing products.
• Balboa Capital: Balboa Capital is a specialized equipment finance and working capital lender serving SMBs across the U.S. with fast online applications and similar ticket ranges, making it directly comparable to Cornerstone's equipment financing and working capital programs.
• Rapid Finance: Rapid Finance provides SMB working capital, merchant cash advances, and small-business loans with similar underwriting flexibility around challenged credit — making it a directly comparable peer to Cornerstone's second-chance financing and MCA-refinance offerings.
• National Funding: National Funding is a direct competitor offering equipment financing and working capital loans to SMBs with a similar relationship-driven, fast-approval model and similar ticket sizes — making it the closest comparable to Cornerstone Capital's core business.
• Currency Capital: Currency Capital operates an equipment financing marketplace and direct lending for SMBs, comparable to Cornerstone's equipment financing product in terms of ticket sizes, industries served, and flexible qualification criteria.

Emerging players

• Lendio: Lendio operates an SMB lending marketplace that aggregates multiple lenders and product types — analogous to Cornerstone's asset-light, multi-lender distribution model for equipment financing, working capital, and SBA loans.
• Fundbox: Fundbox offers SMB working capital advances and lines of credit targeted at small businesses, directly overlapping with Cornerstone's working capital loan and short-term business credit products. It represents a more digitally native alternative.
• BlueVine: BlueVine provides SMB working capital and invoice factoring (up to ~90% advance), overlapping with Cornerstone's receivable financing line of credit. It is a more tech-forward, venture-backed player addressing the same SMB cash-flow management use cases.
• OnDeck (Envestnet Yodlee): OnDeck is a well-known online SMB lender offering working capital loans and lines of credit via a data-driven underwriting model. It overlaps with Cornerstone's working-capital product line as a digitally native alternative in the same SMB segment.

Broad incumbents

• CIT Group: CIT provides a broad suite of commercial finance including equipment financing and working capital to SMBs and mid-market companies — overlapping with Cornerstone's product set but at significantly larger scale and balance-sheet capacity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cornercapital
• YouTubeyoutube.com/channel/UCJsSY5BrFNXGDzoRfGjNA_w/videos
• Facebookfacebook.com/cornercapital
• LinkedInlinkedin.com/company/cornerstone-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 Cornerstone Capital