Marble Bridge Funding Group

What Marble Bridge Funding Group does

Marble Bridge Funding Group is a privately held, California-based direct commercial lender founded in 1997 by Paul Candau. The firm operates from a single headquarters in Walnut Creek, California, and provides customized financing, capital strategy, cash-flow management, and advisory services to growth-driven entrepreneurial companies ranging from startups to enterprises with over $50 million in annual revenue. The core product portfolio comprises collateralized lending solutions (accounts receivable financing, asset-based lines of credit, non-traditional purchase order financing, contract/pre-invoice financing, over-advance lines of credit, and collateralized lending), supplemented by venture and growth financing for companies seeking non-dilutive capital, and ancillary services including AR management, accounting support, contract procurement assistance, strategic financial planning, and valuation protection for owners. The firm has cumulatively deployed over $1 billion in direct funding across hundreds of clients since inception.

Marble Bridge's go-to-market is relationship-driven direct sales, with senior executives personally engaging with C-level decision makers to simplify due diligence and custom-design financing packages for complex situations including covenant breaches, customer concentration issues, and government contract payment delays. The firm targets companies rejected by or underserved by traditional banks and operates under California Financing Law. Distribution is built on a referral network spanning traditional bankers, investment bankers, CPAs, financial advisors, business brokers, and government agencies, including SBA, SBDC, HUD, Alameda County, and the City of Oakland. Marketing relies on thought-leadership content via a published success-stories blog, conference speaking engagements (including the California Economic Summit hosted by the Governor of California), and community involvement through non-profit board positions.

The leadership team comprises five executives: founder/President/CEO Paul Candau (MBA), Senior Vice Presidents Adam Fragen (CPA with over $2B in advised M&A transactions) and Andrew Krone (SBA Mentor and Loan Committee Member), Vice President of Sales Paul Ratner (B2B sales background), and Account Manager Garrett Candau (University of Oregon finance graduate). All loans are arranged pursuant to California Financing Law, and the firm is independently owned with no disclosed institutional investor or parent entity.

Name

Marble Bridge Funding Group

Legal name

Marble Bridge Funding Group

Website

https://marblebridge.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Marble Bridge Funding Group is a privately held California-based direct lender founded in 1997, providing customized collateralized lending, venture and growth financing, and cash flow management services to growth-driven entrepreneurial companies from startups through $50M+ revenue enterprises, having cumulatively deployed over $1 billion in funding.

Ownership category

akta.pro rank

Product category

Commercial Lending

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)

akta.pro secondary industry

Bank-affiliated Venture Debt Lenders (FSANAIAA)

Keywords

• Commercial lending services
• Accounts receivable financing
• Asset based lending
• Venture debt financing
• Cash flow management

Headquarters

HQ city

Walnut Creek

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Collateralized Lending: Provides direct lending secured by collateral including accounts receivable, inventory, equipment, and other business assets. Revenue generated through interest and fees on loans.
2. Venture & Growth Financing: Provides growth capital and venture debt to growth-stage companies. Revenue generated through interest, warrant fees, and structuring fees.
3. Cash Flow Management Services: AR management, accounting support, and strategic financial planning services. Revenue generated through service fees.
4. Contract/PO Financing: Pre-invoice and purchase order financing for companies with large orders or contracts. Revenue generated through financing fees and interest.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Marble Bridge Funding Group is a privately held direct commercial lender that provides asset-based and venture-style loans — including accounts receivable financing, asset based lines of credit, purchase order financing, contract/pre-invoice financing, over advance lines of credit, and valuation protection — to growth-stage and mid-market companies from startup through $50M+ in revenue. The company also offers advisory services such as AR management, accounting support, contract procurement assistance, and strategic financial planning, and operates under California Financing Law.

Product overview

Marble Bridge Funding Group offers a comprehensive suite of financial services for growth-driven businesses across all life cycle stages. The core product portfolio centers on asset-based lending solutions including Accounts Receivable Financing, Asset Based Lines of Credit, Non-Traditional PO Financing, Contract/Pre-Invoice Financing, Over Advance Lines of Credit, and Collateralized Lending. These are complemented by Venture & Growth Financing for companies seeking capital with minimal dilution. Supporting services include AR Management, Accounting Support, Contract Procurement Assistance, Strategic Financial Planning, and Cash Flow Management. Additionally, the Valuation Protection for Owners offering provides protection against valuation risks. Together, these products and services form an integrated financial ecosystem designed to support businesses from startup stage through companies with over $50 million in annual sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounts Receivable Financing Financing that uses a company's accounts receivable as collateral, advancing funds against outstanding invoices to provide immediate working capital. Intended for growing businesses from startups through those with $50M+ in revenue.
• Asset Based Lines of Credit Revolving credit facility secured by company assets such as inventory, equipment, or receivables, allowing businesses to access capital based on the value of their asset base.
• Non-Traditional Purchase Order Financing Provides funds to fulfill customer purchase orders, bridging the gap between order receipt and payment collection for businesses that cannot self-fund large orders.
• Contract/Pre-Invoice Financing Advances funds against contracts or anticipated invoice payments, enabling businesses to access capital before services are rendered or goods are delivered.
• Over Advance Lines of Credit Credit facilities that provide borrowing capacity beyond traditional asset-based limits, offering additional liquidity for businesses with specific growth or restructuring financing needs.
• Valuation Protection for Owners Financial protection service designed to safeguard business owners against valuation risks during financing arrangements or ownership transitions.
• Venture & Growth Financing Debt and structured financing solutions tailored for high-growth companies, providing capital for expansion without significant equity dilution.
• Collateralized Lending Secured lending products backed by business assets, offering businesses access to capital with favorable terms based on collateral provision.
• Accounts Receivable Management Accounts receivable management service that helps businesses optimize collections, improve cash flow timing, and reduce bad debt exposure.
• Accounting Support Financial accounting assistance supporting businesses with record-keeping, reporting, and financial analysis.
• Contract Procurement Assistance

Quantifiable outcome

• Nearly 20% CAGR over three years for digital signage client
• +7 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerAndrew Krone serves as SBA Mentor and Loan Committee Member of Northern California Small Business Financial Development Corporation for the State of California. Partnership provides access to SBA programs and government-backed financing options for clients.
• Small Business Development Center (SBDC)coreStrategic or Co-development PartnerOngoing partnership with SBDC network to provide capital and financial services to small businesses. Marble Bridge appears as partner/logo on SBDC website.
• HUD (U.S. Department of Housing and Urban Development)minorStrategic or Co-development PartnerPartnership with HUD providing financing solutions for businesses served by HUD programs. Logo appears on Marble Bridge corporate citizen page.
• Alameda CountyminorStrategic or Co-development PartnerPartnership with Alameda County serving small businesses in the county. Logo appears on Marble Bridge corporate citizen page.
• City of OaklandminorStrategic or Co-development PartnerPartnership with City of Oakland to assist small businesses. Logo appears on Marble Bridge corporate citizen page.
• Traditional Bankers NetworkcoreChannel Partner/ Reseller/ DistributorWorking relationships with traditional bankers to provide financing solutions for clients who may not qualify for bank financing. Banks refer clients to Marble Bridge for customized solutions while Marble Bridge helps companies graduate to bank financing.
• Investment BankersminorChannel Partner/ Reseller/ DistributorReferral relationships with investment bankers for M&A transactions and capital raises requiring specialized financing.
• CPAs and Financial AdvisorsminorChannel Partner/ Reseller/ DistributorReferral network of certified public accountants and financial advisors who recommend Marble Bridge's services to clients needing capital solutions.
• Business BrokersminorChannel Partner/ Reseller/ DistributorReferral relationships with business brokers facilitating transactions that may require financing solutions.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• BlueVine: BlueVine is a fintech offering invoice factoring, lines of credit, and working capital to small businesses through a digital platform. Overlaps with Marble Bridge's A/R financing and growth-capital offerings but delivers through a tech-enabled self-serve model versus relationship-led.
• Fundbox: Fundbox provides tech-enabled working capital and lines of credit to small businesses. Competes with Marble Bridge's short-term working capital products but via automated, digital origination rather than high-touch relationships.
• OnDeck: OnDeck (now part of Enova) provides online term loans and lines of credit to small businesses. Overlaps with Marble Bridge's short-term business credit offerings but serves similar SMB customers through a fully digital experience.

Broad incumbents

• Golub Capital: Golub Capital is a large direct lender and private credit manager specializing in asset-based lending and financing for middle-market and growth-stage companies. Comparable to Marble Bridge in asset-based lending focus but with national reach and institutional scale.
• White Oak Global Advisors: White Oak Global Advisors is a private credit and direct lending firm providing asset-based lending, factoring, and SMB financing across the US. Comparable product set to Marble Bridge but at substantially larger scale and broader geographic footprint.
• Ares Management: Ares Management operates one of the largest direct lending and private credit platforms globally, including asset-based and specialty financing products targeting middle-market companies. Comparable to Marble Bridge's specialty commercial finance offerings but at a vastly larger scale.

Direct peers

• LSQ: LSQ provides working capital, A/R financing, and supply chain finance to SMBs and mid-market companies. Highly comparable offering to Marble Bridge with similar customer segments and financing structures.
• Liquid Capital Corporation: Liquid Capital is a non-bank direct lender offering accounts receivable financing, purchase order financing, and asset-based lending to SMBs across multiple verticals. Closely mirrors Marble Bridge's product mix, target market, and relationship-driven origination model.
• eCapital: eCapital provides asset-based lending, factoring, A/R financing, and working capital solutions to growth-stage and mid-market businesses. Highly comparable to Marble Bridge in product breadth, target customer profile, and customized deal structuring approach.
• Prestige Capital: Prestige Capital offers accounts receivable financing and asset-based lending primarily to small and mid-market companies. Directly comparable to Marble Bridge in funding profile, customer profile (startups through $50M+ revenue), and financing structures.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Marble Bridge Funding Group