HB Capital
HB Capital is a privately held, family-owned U.S. business financing firm that originates merchant cash advances, business lines of credit, SBA/term loans, credit card stacking, and real estate-backed loans primarily for small and mid-sized businesses, including credit-challenged borrowers.
- Company typePrivate
- Founded2015
- HeadquartersHillsdale, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What HB Capital does
HB Capital LLC is a privately held, family-owned business financing firm founded in 2015 by Ray and George Henriquez and headquartered in Mahwah, New Jersey. The firm originates and brokers a portfolio of six credit products for U.S. small and mid-sized businesses: short-term merchant cash advances ($5K-$2M), business lines of credit (up to $875K), real estate financing (commercial and investment properties with 30-year amortized terms), SBA and term loans (up to $7M), credit card stacking (up to $5M with 0% APR over 12-18 months), and real estate-backed loans (up to $10M). It explicitly serves credit-challenged borrowers with FICO thresholds as low as 500, distinguishing it from conventional bank underwriting. The firm claims $300M+ in cumulative client funding placed since founding and $50M+ placed in 2025, supported by metrics of approximately 500 businesses funded, a 98% stated loan approval rate, and 95% stated customer satisfaction.
HB Capital firmographics
Firmographics- Name
- HB Capital
- Legal name
- HB Capital LLC
- Website
- https://hbcapitalllc.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- HB Capital is a privately held, family-owned U.S. business financing firm that originates merchant cash advances, business lines of credit, SBA/term loans, credit card stacking, and real estate-backed loans primarily for small and mid-sized businesses, including credit-challenged borrowers.
- Ownership category
- akta.pro rank
HB Capital industry classification
Industry- Product category
- Alternative Business Lending
- NAICS
- Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Short-Term Business Credit Institutions (6153), Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where HB Capital is headquartered
LocationHeadquarters
- HQ city
- Hillsdale
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
HB Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Merchant Cash Advances: Revenue generated from merchant cash advances where repayment is based on a percentage of daily/weekly sales plus factor rate. Typically unsecured, short-term funding ranging from $5K–$2M.
- Business Loans and Credit Lines: Interest-based revenue from business lines of credit (up to $875K), SBA/term loans (up to $7M), and real estate-backed loans (up to $10M). Repayment terms vary from daily withdrawals to 30-year amortized schedules.
- Referral Partner Commissions: Commissions earned by referring businesses seeking financing. Partners (brokers, CPAs, agents) receive payouts when referred clients close on funding.
- Credit Card Stacking: Revenue from facilitating credit card-based funding up to $5M with promotional 0% APR periods of 12-18 months, leveraging personal credit for business purposes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advances: $5K–$2M, 24–48 hr approval, FICO 500+, $10K+ monthly deposits, 1+ year in business |
| Usage-based | Pay-as-you-go | Business Lines of Credit: up to $875K, revolving credit, pay interest only on drawn funds |
| Subscription | Monthly | Real Estate Financing: commercial/investment properties, 30-year terms, no income/tax verification, FICO 640+ |
| Subscription | Monthly | SBA/Term Loans: up to $7M, 45–60 day close, FICO 640+, 3+ years in business required |
| Hybrid | Monthly | Credit Card Stacking: up to $5M, 0% APR for 12–18 months, FICO 680+ |
| Subscription | Monthly | Real Estate Backed Loans: up to $10M, 21–30 day funding, FICO under 500 accepted, min loan $200K |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
HB Capital product offering
Product offeringCore offering
HB Capital is a business financing firm that provides small to mid-sized U.S. businesses with fast, flexible access to capital through six core products: merchant cash advances, business lines of credit, real estate financing, SBA/term loans, credit card stacking, and real estate backed loans. The firm specializes in serving credit-challenged borrowers (FICO 500+) with streamlined applications, 24–48 hour approval decisions, and minimal documentation requirements. Revenue is earned through interest, factor rates, and transaction fees across lending products, supplemented by referral commissions from a partner network.
Product overview
HB Capital is a business financing firm offering a portfolio of six distinct funding products: Short-Term Merchant Cash Advances ($5K-$2M), Business Lines of Credit (up to $875K), Real Estate Financing (commercial/investment properties with 30-year terms), SBA/Term Loans (up to $7M), Credit Card Stacking (up to $5M with 0% APR), and Real Estate Backed Loans (up to $10M). These products range from unsecured revenue-based funding to collateral-backed loans, serving businesses from startups to established companies with varying credit profiles.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-Term Merchant Cash Advances Fast, unsecured revenue-based funding from $5,000 to $2,000,000 with flexible repayment tied to daily sales. Available to businesses with FICO 500+, $10K+ monthly deposits, and 1+ year in business; approvals issued within 24–48 hours.
- Business Lines of Credit Flexible revolving credit lines up to $875,000 for daily expenses or growth. Borrowers pay interest only on drawn funds, with fast approvals and minimal paperwork. Requirements include FICO 551+, $15K+ monthly revenue, and 6+ months in business.
- Real Estate Financing Cash-out refinances and purchase loans for commercial and investment properties with 30-year fully amortized terms, no income or tax verification required, and FICO scores starting at 640.
- SBA/Term Loans Long-term funding up to $7,000,000 for established businesses with competitive rates and flexible repayment terms. Requires FICO 640+, 3+ years in business, 3 years of tax returns, and strong financials; closes within 45–60 days.
- Credit Card Stacking Access up to $5,000,000 on credit cards using personal credit (FICO 680+) with 0% APR promotional periods of 12–18 months. Designed for startups needing flexible, interest-free funding.
- Real Estate Backed Loans Loans up to $10,000,000 secured by real estate property with flexible repayment terms. Available for sub-500 FICO scores with funding in 21–30 days; minimum loan $200K with property worth $350K+ or strong equity required.
Quantifiable outcome
- 98% loan approval rate across their client base
- +4 more outcomes
Companies that use HB Capital
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
HB Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
HB Capital partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and secondary.
- Finance Brokers & ISOscoreNetwork of independent sales organizations and finance brokers who refer business clients to HB Capital for financing. Partners benefit from competitive commissions, personal assistance, training resources, and real-time updates on deal status. The partnership enables HB Capital to reach broader markets through established financial advisory relationships.
- CPAs and AccountantscoreCertified public accountants and accounting professionals who refer clients' business financing needs to HB Capital. Partners leverage existing client relationships to provide comprehensive financial solutions including access to capital.
- Real Estate AgentssecondaryReal estate professionals referring clients for property financing solutions including purchase loans and cash-out refinances. HB Capital's real estate products align with agents' client needs for flexible property investment capital.
- Payroll ProviderssecondaryPayroll service providers referring business clients seeking working capital or growth financing. Partnership enables payroll clients to access funding while providers offer comprehensive business financial solutions.
- Business ConsultantssecondaryBusiness consultants and advisors referring clients for capital solutions to support growth initiatives. HB Capital provides funding options that consultants can recommend as part of strategic business planning engagements.
Scale indicators10 records
Recent moves5 records
Expansion highlights5 records
HB Capital competitors and assessment
Company assessmentDirect peers
- Biz2Credit: SMB financing marketplace connecting borrowers with multiple lenders for term loans, lines of credit, and SBA loans. Similar product breadth and broker/partner-led origination model serving subprime and prime SMBs.
- Credibly: Direct SME funder offering MCAs, lines of credit, and term loans to credit-challenged businesses, with similar credit-flexible underwriting and broker channel partnerships. Highly comparable on product mix, target borrower profile, and GTM motion.
- Lendio: Small business loan marketplace aggregating MCAs, SBA loans, lines of credit, and real estate financing through a network of lending partners. Comparable as a one-stop funding platform serving SMBs across credit profiles via a broker-driven model.
- National Funding: Alternative SMB lender offering MCAs, equipment financing, working capital loans, and lines of credit to credit-challenged small businesses. Highly comparable on credit flexibility, speed-to-fund, and product diversification.
- CAN Capital: Long-standing alternative SMB funder offering MCAs, working capital loans, and small business loans targeting credit-challenged borrowers. Highly comparable on credit flexibility, MCA-centric product mix, and broker-driven origination.
Broad incumbents
- OnDeck Capital: Established online SMB lender offering term loans and lines of credit to small businesses, now part of Envestnet. Comparable on short-term working capital products and online application experience, though typically targets higher-credit borrowers than HB Capital.
- BlueVine: Digital SMB lender providing lines of credit, term loans, and invoice factoring. Comparable as a multi-product SMB financing provider, though BlueVine skews more technology-led and targets slightly higher-credit segments.
- Funding Circle US: Online SMB lender offering term loans and lines of credit to small businesses through a direct and partner-driven model. Overlaps on term loan and line of credit products for established SMBs.
Emerging players
- Kiva: Mission-driven small business crowdfunded lending platform offering 0% interest loans to underserved micro-businesses and startups. Comparable on the credit-challenged/unbanked SMB borrower focus, though Kiva is non-profit and crowdfunded rather than fee-based.
- Fundbox: Online SMB credit provider offering lines of credit and working capital advances to small businesses via an automated underwriting platform. Comparable on the digital application and quick-decision SMB financing model, though Fundbox focuses more on invoicing-based credit.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
HB Capital social profiles
Digital presenceHB Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
HB Capital leadership team
Management profileNumber of profiles
Profiles2 records
HB Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HB 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 HB Capital
What does HB Capital do?
HB Capital is a business financing firm that provides small to mid-sized U.S. businesses with fast, flexible access to capital through six core products: merchant cash advances, business lines of credit, real estate financing, SBA/term loans, credit card stacking, and real estate backed loans. The firm specializes in serving credit-challenged borrowers (FICO 500+) with streamlined applications, 24–48 hour approval decisions, and minimal documentation requirements. Revenue is earned through interest, factor rates, and transaction fees across lending products, supplemented by referral commissions from a partner network.
Is HB Capital a public or private company?
HB Capital is a private company. It is classified as family owned and is currently operating.
When was HB Capital founded?
HB Capital was founded in 2015. It employs 1 to 10 people.
Where is HB Capital based?
HB Capital is headquartered in Hillsdale, United States, in the North America region.
How does HB Capital make money?
Four revenue lines are on record. Merchant Cash Advances are the primary driver. The others are business Loans and Credit Lines, referral Partner Commissions and credit Card Stacking.
Who are HB Capital's main competitors?
Direct peers on record are Biz2Credit, Credibly, Lendio, National Funding and CAN Capital. Broad incumbents are OnDeck Capital, BlueVine and Funding Circle US. Emerging players are Kiva and Fundbox.
Does HB Capital have an API?
No public API is recorded for HB Capital.
What industry is HB Capital in?
HB Capital's product category is Alternative Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 5222 and its SIC code is 6153.