CMS Funding

What CMS Funding does

CMS Funding, operated by Resource Capital Placement Inc. and headquartered in Wayne, New Jersey, is a privately held SMB alternative-finance provider founded in 1985 that originates unsecured working-capital loans ($25,000–$2,000,000, 6–24 month terms) and equipment financing ($10,000–$5,000,000, 12–84 month terms). The company's product surface is completed by the Platinum Cash Card pre-qualified membership program ($10,000–$500,000), Master Lease Lines of Credit, and a Vendor Partnership Program that lets equipment dealers offer CMS Funding financing at the point of sale. No proprietary technology platform, API, or application is referenced in source materials; the offering is delivered through a website with online/PDF applications, a dedicated phone line (855-793-8637), and a funding-rep-per-customer model.

The business model is direct origination: CMS Funding charges interest and fees on underwritten loans, with pricing quoted rather than publicly disclosed and decisions driven by business performance and prior-year tax-return revenue. GTM is direct-to-consumer, supported by organic social on Facebook and LinkedIn, blog content, customer testimonials, and BBB A+ and NEFA accreditation as trust signals. Distribution is supplemented by the Vendor Partnership channel but does not use resellers or third-party brokers.

CMS Funding serves SMBs across more than 20 verticals, including construction trades (plumbing, electrical, masonry, roofing, carpentry, painting, landscaping), transportation (freight, tow trucks, trailers), healthcare (medical, dental, chiropractic, veterinary, diagnostic equipment), automotive repair, child care, retail, e-commerce, beauty salons, and professional services. Despite marketing reach "from one-person operations to Fortune 500 companies," the company's 1–10 employee headcount and small-ticket product economics indicate a long-tail SMB book with no disclosed enterprise anchors, no external funding rounds, and no M&A or leadership-change activity in the source data.

Name

CMS Funding

Legal name

Resource Capital Placement Inc.

Website

https://cmsfunding.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

1–10 employees

Short description

CMS Funding is a privately held, Wayne, NJ-based SMB alternative lender offering unsecured working-capital loans ($25K–$2M) and equipment financing ($10K–$5M) to small businesses across 20+ U.S. verticals, distributed directly and through a vendor partnership program.

Ownership category

akta.pro rank

Product category

Commercial Lending & Equipment Financing

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

SIC

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

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

Keywords

• Equipment leasing
• Working capital loans
• Small business financing
• Commercial equipment financing
• Business loan services

Headquarters

HQ city

Wayne

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, Others

Revenue model

1. Working Capital Loans: Unsecured short-term business loans ranging from $25,000 to $2,000,000 with terms of 6 to 24 months. Loans are approved based on business performance and prior year's revenue as indicated on tax returns. Revenue generated through interest rates and loan fees.
2. Equipment Financing: Equipment leasing and financing ranging from $10,000 to $5,000,000 with terms from 12 to 84 months. Offers both finance and operating leases for new and pre-owned equipment. Revenue generated through lease payments and interest.
3. Platinum Cash Card Program: Pre-qualified membership program offering unsecured short-term loans up to 24 months and secured long-term loans up to 84 months. Pre-qualification amounts from $10,000 to $500,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CMS Funding provides unsecured working capital loans ranging from $25,000 to $2,000,000 with 6–24 month terms and equipment leasing/financing ranging from $10,000 to $5,000,000 with terms up to 84 months, targeted at U.S. small and medium businesses across diverse industries. The company offers rapid credit approval (within 24 hours) and funding within 24–48 hours, with no collateral required for working capital loans and 100% financing including soft costs for equipment deals. A supplementary Platinum Cash Card program provides pre-qualified access to funding from $10,000 to $500,000.

Product overview

CMS Funding provides two core financial products: Working Capital Loans (unsecured, $25,000–$2,000,000, 6–24 month terms) and Equipment Financing ($10,000–$5,000,000, up to 84 months). These are supplemented by the Platinum Cash Card pre-qualification program ($10,000–$500,000), Master Lease Lines of Credit, and a Vendor Partnership Program. The company serves small businesses across diverse industries including construction, healthcare, automotive, and retail, offering both direct lending and partner channel solutions.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 85% approval rate for working capital loans
• +4 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• ASAP (As Soon As Possible)minorOthersCMS Funding is a proud sponsor of ASAP, demonstrating community involvement and industry support. The partnership represents corporate sponsorship rather than a strategic business alliance.
• TrustPilotminorOthersCMS Funding maintains a TrustPilot presence for customer reviews and ratings, providing third-party validation of customer satisfaction and service quality.
• BBB (Better Business Bureau)coreOthersCMS Funding maintains an A+ rating with the Better Business Bureau, demonstrating commitment to ethical business practices and customer satisfaction standards required for BBB accreditation.
• NEFA (National Equipment Finance Association)coreOthersCMS Funding is accredited by the National Equipment Finance Association, demonstrating industry recognition and adherence to professional standards in equipment financing.
• CMS Family of CompaniescoreStrategic or Co-development PartnerCMS Funding is operated by Resource Capital Placement Inc. and is part of the CMS Family of Companies which includes Gorilla Conferencing and CMS Tech.
• Vendor Program PartnerscoreChannel Partner/ Reseller/ DistributorCMS Funding's Vendor Program allows equipment dealers and vendors to offer financing options to their customers through CMS Funding, creating a B2B channel partnership where vendors refer customers needing equipment financing.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• TimePayment Corp. TimePayment provides equipment leasing and financing to SMBs and vendor partners, with a vendor channel model that directly mirrors CMS Funding's equipment vendor program.
• Balboa Capital: Balboa Capital is a direct competitor offering equipment leasing and working capital to SMBs across the US, with comparable ticket sizes and a similar direct-to-borrower sales motion.
• National Funding: National Funding offers working capital loans and equipment financing to SMBs with rapid approvals, directly competing for the same underserved-borrower segment CMS Funding targets.
• Marlin Capital Solutions: Marlin Capital Solutions specializes in equipment financing and working capital for small businesses across diverse verticals, paralleling CMS Funding's vertical-specialized lending approach.
• Currency (formerly Currency Capital): Currency operates an equipment financing marketplace connecting SMBs with equipment lessors, overlapping CMS Funding's equipment leasing product but distributing through a partner network.
• Direct Capital Corporation: Direct Capital provides equipment financing and working capital loans to SMBs nationwide, closely overlapping CMS Funding's product set and target customer profile.
• OnDeck Capital (OnDeck): OnDeck is a fintech leader in short-term working capital loans to small businesses, providing a technology-driven benchmark for the product category CMS Funding operates in.

Emerging players

• BlueVine: BlueVine provides working capital and line-of-credit products to small businesses through a fully digital platform, representing the technology-led competitive threat to traditional SMB lenders.
• Lendio: Lendio is an SMB loan marketplace aggregating multiple lender products, representing the digital-broker model that competes for the same SMB borrower that CMS Funding underwrites directly.
• Fundbox: Fundbox offers short-term working capital to SMBs using automated underwriting, competing on speed and digital experience in the same unsecured small-dollar segment as CMS Funding.

Market position

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CMSFunding
• LinkedInlinkedin.com/company/cms-funding
• Xx.com/cmsfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CMS Funding