SkyCap Funding

What SkyCap Funding does

SkyCap Funding is a U.S. private business working capital provider founded in 2007 and headquartered at 775 Bloomfield Ave, Clifton, New Jersey. The company originates short-term working capital advances for small businesses across all 50 states, with ticket sizes ranging from $2,500 to $500,000. Its core product is a streamlined application — available online, via PDF, phone, or fax — that delivers same-day approvals for fully completed applications, with no application fees and no obligation to accept. SkyCap explicitly underwrites "high-risk" industry verticals that traditional banks typically decline, including restaurants, trucking, and other SMB categories.

The underlying platform combines a pre-qualification tool (which scores applicants on time-in-business and credit-card sales volume) with a "SkyCap Secure Banking Connection" that pulls transactional bank data to expedite funding. Distribution is hybrid: a direct self-serve online channel plus an ISO Partnership Program (fax/email/API submissions) and an Affiliate Partner Program that supplies banners, training, and a real-time lead tracker. Revenue is generated via spreads or transaction fees on funded working capital; no revenue figures are publicly disclosed. The company employs 11-50 staff and operates without disclosed outside funding, holding a single McAfee SECURE security certification.

Commercially, SkyCap competes in the merchant cash advance / small business working capital segment against both bank lenders and a long tail of non-bank funders. Its differentiation rests on speed, multi-channel accessibility, and tolerance for subprime credit and high-risk verticals — advantages that are replicable rather than proprietary. The business is entirely U.S.-domestic, and there is no evidence of AI/ML underwriting, embedded finance partnerships, or balance-sheet disclosures in the source material.

Name

SkyCap Funding

Legal name

SkyCap Funding LLC

Website

https://skycapfunding.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

SkyCap Funding is a U.S. private working capital provider founded in 2007, originating $2,500-$500,000 advances for small businesses nationwide, including high-risk industries, via direct online applications and an ISO/affiliate partner network.

Ownership category

akta.pro rank

Product category

Small Business Working Capital Lending

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

akta.pro secondary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Small business lending
• Working capital financing
• Merchant cash advance
• Alternative business funding
• ISO partner program

Headquarters

HQ city

Clifton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Business Working Capital Financing: SkyCap Funding generates revenue by providing business working capital solutions to small business owners. The company matches business owners with working capital offers, likely earning transaction fees or spreads on the funded amounts. The service range is $2,500 to $500,000 in funding.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

SkyCap Funding matches small business owners with business working capital offers ranging from $2,500 to $500,000, providing a streamlined application process with same-day approvals, minimal paperwork, and no upfront fees. The company accepts applications online, by phone, fax, or PDF download, and delivers funding offers through SkyCap agents with no obligation to accept. Established businesses from a wide range of industries, including those classified as "high-risk" and applicants with less-than-perfect credit, may qualify.

Product overview

SkyCap Funding operates as a business working capital financing platform that connects small business owners with funding solutions. The core offering is the Business Working Capital product, which provides financing ranging from $2,500 to $500,000. The platform includes a pre-qualification service that assesses eligibility based on time in business and credit card sales volume. Additionally, SkyCap maintains two partnership programs: an ISO Partnership Program targeting Independent Sales Organizations and marketing agencies for deal referrals, and an Affiliate Partner Program providing commission-based opportunities with tracking and reporting tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Working Capital Working capital financing product that helps small business owners obtain funding ranging from $2,500 to $500,000 with minimal paperwork and expedited, often same-day, approvals. Available to established U.S.-based businesses across industries, including high-risk verticals, with less-than-perfect credit accepted.
• Pre-qualification Service Online pre-qualification tool that evaluates business eligibility based on time in business and credit card sales volume to surface a preliminary funding range (e.g., $8,000 - $10,000) before continuing into the full online application.
• ISO Partnership Program Channel program for Independent Sales Organizations, marketing agencies, and B2B providers to refer business funding deals to SkyCap; partners submit deals via fax, email, or API and earn competitive commissions, with reliable underwriting, high conversion/funded ratios, and fast response and payments. No technical integration or exclusivity required.
• Affiliate Partner Program Affiliate program enabling partners to refer visitors to SkyCap's application and earn commissions, with access to customized training materials, promotional banners, a real-time lead tracker, and traffic and conversion reporting.

Quantifiable outcome

• Same day approvals are common if the application is completed in full

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• ISO Partners (Traditional ISOs, Marketing Agencies, B2B Providers)coreChannel Partner/ Reseller/ DistributorSkyCap's ISO partnerships are described as a strategic component in the company's growth. The program is open to traditional ISOs, marketing agencies, and B2B product/service providers. Requirements include a signed ISO agreement and submission via fax, email, or API. Benefits include competitive commissions, reliable underwriting, high conversion/funded ratio, and fast response and payments. No technical integration or exclusivity is required.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Credibly: Direct competitor providing working capital and small business loans ranging from a few thousand to several hundred thousand dollars to SMBs, with similar positioning around speed and accessibility for less-than-perfect-credit borrowers.
• National Funding: Direct peer offering working capital loans and small business financing to SMBs across the U.S., with a comparable sales-led and partner-driven model and similar ticket-size range.
• CAN Capital: Direct competitor in the SMB working capital / merchant cash advance space, serving small businesses nationwide with similar underwriting flexibility and ISO-style partner channels.
• Rapid Finance: Direct peer providing working capital advances and small business loans to U.S. SMBs, with a comparable product suite, ISO/partner program, and target customer base.
• Fundbox: Direct competitor offering working capital advances and lines of credit to SMBs, with comparable underwriting on revenue volume and time-in-business metrics and a similar go-to-market focus on speed and digital experience.
• Lendio: SMB lending marketplace that connects applicants to multiple capital providers; while structured as a marketplace rather than a direct funder, it competes for the same working-capital-seeking SMBs that SkyCap targets.
• Fora Financial: Direct competitor providing working capital, merchant cash advances, and small business loans to U.S. SMBs, with a comparable ISO/broker channel and similar willingness to fund industries declined by banks.

Broad incumbents

• OnDeck Capital: Larger, more established online SMB lender offering term loans and lines of credit with broader product breadth and institutional backing; competes directly with SkyCap for the same end customer but at higher scale and ticket sizes.
• BlueVine: Established fintech providing working capital, lines of credit, and invoice factoring to SMBs; targets a similar customer base but with deeper capital base, broader product suite, and tech-driven underwriting.
• Funding Circle: Established online SMB lender in the U.S. offering term loans and lines of credit; overlaps with SkyCap in serving SMB working capital needs but operates at significantly larger scale with a different risk profile focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/skycap-funding

Compliance1 record

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 SkyCap Funding