Dare Capital
Dare Capital is a Texas-based private factoring company founded in 2019 that provides accounts-receivable and construction factoring, plus a 50/50 broker-equity partnership program (BRS), to B2B businesses and finance professionals, powered by its proprietary NN6 platform.
- Company typePrivate
- Founded2019
- HeadquartersDallas, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Dare Capital does
Dare Capital is a privately held Texas-based factoring company founded in 2019 that provides accounts-receivable financing, construction factoring, and a broker-to-equity partnership program to B2B businesses and finance professionals. The firm purchases commercial receivables at a discount — advancing up to 95% on qualified invoices and earning transaction-based factoring fees — and concentrates on construction subcontractors handling projects up to $7M, manufacturing firms, service businesses, and internal BRS partners seeking equity participation in originated portfolios.
The company's operating backbone is NN6, a wholly-owned proprietary technology platform structured around six core capabilities (Notify, Verify, Identify, Audit, Communicate, Relationship) that deliver real-time portfolio monitoring, automated risk management, and reporting. NN6 First Glance, an AI-powered invoice review tool, extends the platform by automating document ingestion and producing structured risk outputs. Dare Capital monetizes through (a) factoring spread/fees on AR and construction receivables, (b) shared ownership economics in its 50/50 BRS partnership model where partners originate deals and Dare provides underwriting, funding, and collections, and (c) the internal / licensable potential of the NN6 stack. Distribution runs through direct sales, website application flows, phone-led consultative selling, and BRS partner referrals, with content marketing (blog, newsletter) supporting top-of-funnel demand and AFA/IFA conference participation anchoring industry presence.
Founded by Cole Harmonson (CEO) and Debra Zukonik (COO), both long-tenured commercial-finance operators and American Factoring Association board members, the firm operates with roughly 10 employees from Rockwall/Dallas, Texas, and serves a Southwest U.S. client base. The company is privately held with no disclosed institutional capital or external investors.
Dare Capital firmographics
Firmographics- Name
- Dare Capital
- Legal name
- Dare Capital
- Website
- https://darebizcapital.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Dare Capital is a Texas-based private factoring company founded in 2019 that provides accounts-receivable and construction factoring, plus a 50/50 broker-equity partnership program (BRS), to B2B businesses and finance professionals, powered by its proprietary NN6 platform.
- Ownership category
- akta.pro rank
Dare Capital industry classification
Industry- Product category
- Commercial Factoring & Working Capital Finance
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
Keywords
Where Dare Capital is headquartered
LocationHeadquarters
- HQ city
- Dallas
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Dare Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Factoring Fees: Revenue generated from purchasing receivables at a discount. They advance up to 95% of eligible receivables to clients and earn fees on the discounted value. This is the primary revenue stream from AR Factoring and Construction Factoring services.
- BRS Partnership Revenue: 50/50 partnership model where Dare Capital shares ownership of deals brought by BRS partners. Revenue is split equally on both risk and reward. Partners focus on originating deals while Dare handles operations, underwriting, and collections.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | AR Factoring with up to 95% advance rates and no minimums |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Dare Capital product offering
Product offeringCore offering
Dare Capital is a specialized commercial finance company that provides accounts receivable (AR) factoring and construction factoring services, advancing up to 95% of eligible receivables to B2B companies in exchange for a discount on the invoice value. The company also operates a Back Room Services (BRS) 50/50 partnership program that allows finance professionals to originate deals and share ownership, while Dare Capital handles underwriting, funding, collections, and portfolio management on the NN6 proprietary technology platform.
Product overview
Dare Capital offers a unified portfolio of factoring solutions centered on four core products: AR Factoring for general B2B working capital needs, Construction Factoring for subcontractors handling projects up to $7M with specialized lien management and materials financing, Back Room Services (BRS) providing a 50-50 partnership model for finance professionals transitioning from broker commissions to portfolio ownership, and NN6 Technology, a proprietary operating system that powers all operations with real-time portfolio monitoring and automated workflows. The offerings integrate with each other, with NN6 serving as the technology backbone while BRS partners gain access to the NN6 platform for portfolio management.
Differentiator
Problem solved
Functional benefit
Brands
- NN6: Proprietary technology platform for modern factoring operations. Purpose-built by factors, for factors. Provides real-time portfolio insights and automated workflows including Notify, Verify, Identify, Audit, Communicate, and Relationship management features.
Products and services
- Accounts Receivable (AR) Factoring
Quantifiable outcome
- Scaled one client from $500K to $2M line through BRS partnership
- +3 more outcomes
Companies that use Dare Capital
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles1 record
Dare Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature3 records
Dare Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- American Factoring AssociationcoreCo-founders Debra and Cole have served on the American Factoring Association board of directors since 2009. Cole Harmonson serves as president of the AFA. This involvement provides industry leadership, networking, and thought leadership opportunities.
Scale indicators5 records
Recent moves5 records
Expansion highlights4 records
Dare Capital competitors and assessment
Company assessmentDirect peers
- Fundbox: Fundbox offers working-capital advances and invoice-based financing to SMBs via a tech-led platform; comparable to Dare's AR factoring for B2B SMBs but with a more productized, digital onboarding flow.
- altLINE by The Southern Bank Company: altLINE provides invoice factoring and ABL to SMBs across multiple industries including construction; comparable to Dare's product mix and SMB-focused GTM motion.
- Fora Financial: Fora Financial provides working-capital solutions (including invoice factoring) to SMBs with a sales-led, relationship-driven approach; comparable GTM motion and customer segment to Dare Capital.
- BlueVine: BlueVine provides invoice factoring and working-capital lines to SMBs through a digital platform; comparable to Dare's AR Factoring product in target customer (creditworthy B2B SMBs) and revenue model (factoring fees on receivables).
- United Capital Funding: United Capital Funding is a factoring and ABL provider for SMBs with similar construction and manufacturing exposure; comparable in revenue model and target verticals.
- Riviera Finance: Riviera Finance is a long-standing factoring company providing AR factoring and working capital to SMBs across industries including construction and manufacturing; highly comparable in product line and customer base.
- LSQ (formerly BFS Capital): LSQ offers invoice financing and working-capital technology to SMBs via a partner/broker channel that resembles Dare's BRS model; comparable in revenue mix and channel strategy.
- Triumph Business Capital: Triumph is a large, multi-product commercial finance company offering transportation and construction factoring; directly comparable to Dare Capital's AR and construction factoring services, including materials financing and progress billing.
Broad incumbents
- Kapitus (formerly Strategic Funding Source): Kapitus is a broader SMB working-capital and factoring provider with a wider product set; comparable to Dare in customer base (growth-stage SMBs) but operates at larger scale with additional non-factoring products.
Others
- American Factoring Association: The American Factoring Association is the industry trade body of which Dare's founders are board members; included as an ecosystem/comparable-adjacent reference rather than a competitor, useful for understanding the niche in which Dare competes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Dare Capital social profiles
Digital presenceDare Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dare Capital leadership team
Management profileNumber of profiles
Profiles9 records
Dare Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Dare Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dare 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 Dare Capital
What does Dare Capital do?
Dare Capital is a specialized commercial finance company that provides accounts receivable (AR) factoring and construction factoring services, advancing up to 95% of eligible receivables to B2B companies in exchange for a discount on the invoice value. The company also operates a Back Room Services (BRS) 50/50 partnership program that allows finance professionals to originate deals and share ownership, while Dare Capital handles underwriting, funding, collections, and portfolio management on the NN6 proprietary technology platform.
Is Dare Capital a public or private company?
Dare Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dare Capital founded?
Dare Capital was founded in 2019. It employs 1 to 10 people.
Where is Dare Capital based?
Dare Capital is headquartered in Dallas, United States, in the North America region.
How does Dare Capital make money?
Two revenue lines are on record. Factoring Fees are the primary driver. The others are BRS Partnership Revenue.
Who are Dare Capital's main competitors?
Direct peers on record are Fundbox, altLINE by The Southern Bank Company, Fora Financial, BlueVine, United Capital Funding, Riviera Finance, LSQ (formerly BFS Capital) and Triumph Business Capital. Kapitus (formerly Strategic Funding Source) is listed as a broad incumbent. American Factoring Association is listed as an others.
Does Dare Capital have an API?
No public API is recorded for Dare Capital.
What industry is Dare Capital in?
Dare Capital's product category is Commercial Factoring & Working Capital Finance. Its primary akta.pro industry code is FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing). Its NAICS code is 52222 and its SIC code is 6153.