Equity Building Financial

What Equity Building Financial does

Equity Building Financial is a privately held, woman-owned business lending intermediary founded in 2003 and headquartered in Rolling Meadows, Illinois. The firm arranges and brokers commercial financing solutions for small, mid-size, and large businesses, with loan and facility tickets ranging from $20,000 to $2 million or more. Its six-product portfolio spans business debt consolidation, working capital lines of credit, equipment and software leasing, invoice factoring, SBA loans, and financial consulting, positioning the company as an alternative to traditional bank financing for clients with non-standard profiles or complex debt structures.

The business operates on a transaction-fee model, earning brokerage and arrangement fees by intermediating between borrowers and capital providers rather than holding loans on balance sheet. There is no proprietary technology platform, API, or AI/ML component disclosed; the offering is delivered through a direct sales motion centered on a toll-free number (888-812-9534) and a service-line website. GTM is sales-led with a self-reported 24-48 hour decision turnaround and a 91% approval rate across applications.

Operationally, the company runs with 11-50 employees under a four-person executive team led by CEO Jerry Stark (23 years of business lending experience). No institutional investors, funding rounds, M&A activity, geographic expansion beyond the Chicago metro, patents, certifications, or social media presence were identified. The firm appears to be a mature, independent, founder/management-owned commercial loan brokerage with limited disclosed scale metrics.

Name

Equity Building Financial

Legal name

Equity Building Financial

Website

https://equitybuildingfinancial.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Equity Building Financial is a woman-owned, Illinois-based commercial loan brokerage arranging debt consolidation, working capital lines, equipment leasing, factoring, and SBA loans from $20k to $2M+ for small, mid-size, and large businesses.

Ownership category

akta.pro rank

Product category

Business Lending & Financial Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Business lending solutions
• Equipment leasing financing
• SBA loan brokerage
• Invoice factoring services
• Working capital lines of credit

Headquarters

HQ city

Arlington Heights

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, Others

Revenue model

1. Loan Arrangement and Brokerage Fees: Equity Building Financial generates revenue by arranging and facilitating business loans, lines of credit, equipment leasing, factoring, and SBA loans for business clients. The company acts as an intermediary between borrowers and lenders, earning fees for their brokerage and advisory services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Equity Building Financial arranges and facilitates business loans, lines of credit, equipment and software leasing, invoice factoring, and SBA loans for small, mid-size, and large businesses. The company also provides CFO-level financial consulting, acting as an intermediary between borrowers and lenders while earning fees for brokerage and advisory services.

Product overview

Equity Building Financial offers a portfolio of business financing solutions centered around a loan origination and financial advisory platform. The core offerings include six distinct products: Business Debt Consolidation (combining multiple loans into single payments), Working Capital Line of Credit (flexible credit access), Equipment & Software Leasing (accessing tools without upfront ownership), Invoice Factoring (converting receivables to immediate cash), SBA Loans ($20k-$2M+ government-backed financing), and Financial Consulting (strategic advisory services). The company targets small, mid-size, and large businesses seeking capital access, with a reported 91% approval rate and 24-48 hour decision turnaround. As a woman-owned financial services firm with over 20 years of experience, Equity Building Financial positions itself as a specialist alternative to traditional banking for non-standard financing needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Debt Consolidation Combines multiple business loans, credit lines, and vendor obligations into a single simplified payment with one rate, reducing monthly burden and improving cash flow control for small, mid-size, and large businesses.
• Working Capital Line of Credit Flexible credit access for covering payroll, inventory, seasonal gaps, or unexpected expenses without disrupting business operations.
• Equipment & Software Leasing Provides access to equipment, technology, and machinery without heavy upfront ownership costs, including software platform leasing for businesses.
• Invoice Factoring Converts outstanding receivables into immediate working capital, enabling businesses to receive cash today rather than waiting on Net 30/60/90 payment terms.
• SBA Loans Small Business Administration guaranteed loans ranging from $20,000 to $2 million or more, with lower interest rates and extended repayment terms for expansion, real estate acquisition, equipment purchases, or business acquisition.
• Financial Consulting Strategic financial guidance providing CFO-level thinking for small and mid-size businesses, including tax strategies, debt structures, and capital optimization.

Quantifiable outcome

• 91% approval rate for business financing applications
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights4 records

Direct peers

• Currency (formerly Currency Capital): Currency is an SBA loan marketplace focused on connecting SMB borrowers with SBA-preferred lenders. It overlaps directly with EBF's SBA intermediation core, though typically targeting larger deal sizes and using a more digital origination model.
• National Business Capital: National Business Capital is a business loan broker offering SBA loans, equipment financing, lines of credit, and working capital solutions to SMBs. It is a directly comparable intermediary competing for the same customer profile as Equity Building Financial.
• Fora Financial: Fora Financial provides working capital and SMB financing including merchant cash advances, lines of credit, and SBA loans. It is comparable to EBF's working capital and SBA intermediation products, with more aggressive direct-lending risk appetite.
• CAN Capital: CAN Capital is a long-standing SMB working capital provider offering short-term loans, merchant cash advances, and SBA loans. It overlaps with EBF's working capital, factoring, and SBA intermediation products and shares the traditional broker/lender hybrid model.
• Lendio: Lendio is a leading online SMB loan marketplace that connects business owners with multiple lenders across SBA loans, lines of credit, equipment financing, and factoring. It directly competes with Equity Building Financial's broker model but does so via a digital platform rather than phone-driven sales.
• Balboa Capital: Balboa Capital is a direct equipment leasing and small business financing provider offering equipment leasing, working capital, and SBA loans. It overlaps with EBF's equipment leasing and SMB lending products, though it operates with its own balance sheet in some product lines.
• SmartBiz: SmartBiz is an SBA-focused loan marketplace and fintech that streamlines SBA loan origination between SMB borrowers and bank partners. It competes directly with EBF's SBA intermediation offering, with a more tech-enabled underwriting experience.
• Biz2Credit: Biz2Credit is an online small business financing marketplace offering SBA loans, working capital, equipment financing, and factoring through its lender network. It overlaps directly with EBF's product set and target SMB customer base, with stronger digital origination capability.

Broad incumbents

• Funding Circle: Funding Circle is a publicly traded online small business lending platform offering term loans and lines of credit via its own balance sheet. It competes with EBF for SMB credit demand but operates at significantly larger scale and as a direct lender rather than broker.
• OnDeck (Enova International): OnDeck, owned by Enova International, is a digital SMB lender offering term loans and lines of credit to small businesses. It is comparable to EBF's working capital product but operates as a tech-enabled direct lender with much broader brand recognition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/eqbuilding
• LinkedInlinkedin.com/company/equity-building-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Equity Building Financial