Business Funding

What Business Funding does

Business Funding is a small business lending marketplace operated by AM Funding, LLC, a privately-held Florida LLC headquartered at 4800 N Federal Hwy, Ste B200 in Boca Raton. The company connects small business owners seeking capital with a network of third-party lenders while also originating its own credit products directly. Its target customers are SMB owners and entrepreneurs — typically with $200K+ annual revenue, a personal FICO score of 600+, and at least one year in business — who need working capital, equipment financing, expansion capital, inventory funding, cash flow management, or debt refinancing. The company states it has helped more than 10,000 businesses and carries a 4.8/5 customer rating.

The platform offers six core loan products: term loans, equipment financing, lines of credit, invoice factoring, revenue-based financing, and SBA loans, with loan sizes ranging from $5,000 to $3,000,000 and an average loan size of approximately $44,000. The technology stack is a web-based application and matching platform that includes a financing estimator for pre-qualification (using soft credit pulls only), a multi-step online application completable in roughly two minutes, and a lender-matching system that pairs applicants with appropriate funding partners from the company's lender network. The same platform supports phone-based intake at (855) 682-3863, with funding specialists contacting applicants to complete underwriting and document collection. APIs referenced in the terms of use relate to internal data sharing with lending partners and third-party financial institutions for loan servicing, not to a public developer offering.

Revenue is generated through two streams: affiliate/referral fees from third-party lenders when matched borrowers are funded, and interest and fee income on loans originated and serviced directly by AM Funding, LLC. Pricing is not publicly disclosed and varies by lender, borrower creditworthiness, loan type, and term. Customer acquisition relies on organic SEO, content marketing through an educational blog, email marketing, and phone-based outreach to applicants, all targeting US-based small businesses.

Name

Business Funding

Legal name

AM Funding, LLC

Website

https://businessfunding.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Business Funding, operated by AM Funding, LLC, is a Boca Raton, FL-based small business lending marketplace that connects SMB borrowers with a network of third-party lenders and originates its own credit products, including term loans, lines of credit, and SBA loans.

Ownership category

akta.pro rank

Product category

Small Business Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Small business loans
• Business lending
• Equipment financing
• Working capital
• Invoice factoring

Headquarters

HQ city

Red Bank

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Lending Referral/Brokerage Fees: Business Funding acts as an intermediary/marketplace connecting small business borrowers with third-party lenders. The company earns referral fees or commissions from lending partners when customers are matched and funded through the platform. The company also originates its own credit products.
2. Own Credit Products: Business Funding (through AM Funding, LLC) provides its own small business loans, lines of credit, and future receivable financing directly to customers, generating interest income and fees on these products.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Business Funding operates a small business lending marketplace that matches borrowers with a network of third-party lenders and also originates its own credit products. Through a web-based platform and a 2-minute online application with soft-pull pre-qualification, the company offers term loans, equipment financing, lines of credit, invoice factoring, revenue-based financing, and SBA loans in amounts ranging from $5,000 to $3,000,000 with funding as fast as 24 hours.

Product overview

Business Funding operates as a small business lending marketplace and loan matching platform, connecting entrepreneurs with a network of third-party lenders to access various financing solutions. The core product is a loan matching/matching service that evaluates applicants and pairs them with appropriate funding options from its trusted lender network. The six primary loan products — Term Loans, Equipment Financing, Line of Credit, Invoice Factoring, Revenue-Based Financing, and SBA Loans — each address distinct business financing needs, from long-term capital investments to short-term working capital and revenue-based growth funding. The platform also provides a financing estimator tool for pre-qualification and a streamlined 2-minute online application process.

Differentiator

Problem solved

Functional benefit

Products and services

• Term Loans Lump-sum capital with a fixed repayment schedule designed for long-term investments such as business expansions, equipment purchases, or real estate acquisitions, offered to small business owners.
• Equipment Financing Financing that enables businesses to acquire machinery, tools, or technology without a substantial upfront payment, with the equipment serving as collateral, targeted at small business owners needing operational equipment.
• Line of Credit Flexible revolving credit facility with a predetermined credit limit that can be drawn and repaid multiple times as needed, with interest charged only on the utilized amount, offered to small business owners for ongoing working capital needs.
• Invoice Factoring Service that converts unpaid invoices into immediate working capital, bridging cash flow gaps between sales and customer payments, intended for small businesses with outstanding receivables.
• Revenue-Based Financing Funding tied to future sales with no personal guarantee, no fixed monthly payments, and repayment terms that adjust with business revenue, targeted at small business owners seeking flexible growth capital.
• SBA Loans Government-backed small business loans with competitive rates, longer terms, and structured repayment schedules designed to reduce risk for lenders, offered to qualifying small business owners.

Quantifiable outcome

• Funding timeline as quick as 24 hours after approval
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• OnDeck Capital: OnDeck is a well-established online small business lender offering term loans and lines of credit directly to SMBs. It represents a larger, vertically integrated incumbent in the same SMB credit market.
• BlueVine: BlueVine provides small business lines of credit, invoice factoring, and term loans through a digital platform. Its invoice factoring and working capital products overlap with several of Business Funding's offerings.
• LendingTree: LendingTree operates a broad consumer and SMB lending marketplace with multiple loan categories beyond Business Funding's SMB focus. It is a much larger incumbent with overlapping marketplace mechanics.
• Funding Circle US: Funding Circle operates an SMB lending platform offering term loans and lines of credit to small businesses. It is a larger, more institutionalized competitor in adjacent SMB credit products.

Direct peers

• Lendio: Lendio operates a small business lending marketplace that connects borrowers with a network of lenders across multiple loan products, including term loans, lines of credit, SBA loans, and equipment financing. It is the closest direct comparison to Business Funding's broker model.
• Fundera: Fundera is a small business loan marketplace owned by American Express that matches borrowers with partner lenders for SBA loans, lines of credit, and term loans. Its online application and lender-matching model directly mirror Business Funding's approach.
• Fora Financial: Fora Financial is a small business funding provider offering working capital, term loans, and revenue-based financing directly to SMBs. It competes with Business Funding's own-origination book in MCA/RBF-adjacent products.
• Credibly: Credibly provides working capital loans and small business funding, including MCA-style products and term loans, serving a similar SMB credit profile. It competes directly for the same underserved borrower segment.
• CAN Capital: CAN Capital provides small business working capital loans, including term loans and merchant cash advance-style products, both directly and through partner referrals. It overlaps heavily with Business Funding's RBF and short-term credit offerings.

Emerging players

• SmartBiz: SmartBiz is an SBA loan-focused fintech marketplace that streamlines SBA 7(a) loan applications for small businesses. It directly competes with Business Funding's SBA loans product offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/NotJustFunding
• Facebookfacebook.com/NotJustFunding
• LinkedInlinkedin.com/company/business-funding-com

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 Business Funding