Fordham Capital
Fordham Capital is a privately held SMB lending marketplace founded in 2015 in Manhasset, New York, connecting small business borrowers to a network of banks, lenders, and funders via SBA loans, lines of credit, working capital, and merchant cash advances.
- Company typePrivate
- Founded2015
- HeadquartersManhasset, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Fordham Capital does
Fordham Capital is a privately held small business financing marketplace founded in 2015 by Rob Winston J.D. and headquartered at 1129 Northern Blvd, Suite 404, Manhasset, New York. The company operates a digital lending platform that connects small and medium-sized business borrowers with a network of banks, lenders, and funders, offering five core products: SBA Loans, Lines of Credit, Working Capital Loans, Merchant Cash Advances, and Term Funding. Its technology stack centers on a one-page online application with soft credit pull pre-qualification and automated risk assessment, enabling funding decisions in as little as 24 hours without traditional bank friction.
The company does not lend directly; instead it functions as an intermediary marketplace, monetizing through referral and origination fees from its lender network partners. Its go-to-market combines a self-serve digital application funnel with an inside-sales advisor model, supplemented by content marketing (SEO-optimized blog), social media, email, and earned media (Forbes Council CEO feature, A+ BBB rating). Fordham targets a horizontal SMB segment with particular focus on seasonal industries — tourism, hospitality, retail, and construction — where traditional bank credit criteria are mismatched to revenue cycles.
Fordham Capital reports having facilitated over $120M in cumulative funding nationally and claims to have helped clients generate more than $500M in revenue. The company is founder-owned and independently operated with 1-10 employees, no disclosed institutional capital, and no subsidiaries. In November 2025 it announced expansion of its funding solutions nationwide across the United States. Revenue, ARR, and GMV are not directly disclosed; the $120M figure is cumulative facilitated volume, not company revenue.
Fordham Capital firmographics
Firmographics- Name
- Fordham Capital
- Legal name
- Fordham Capital
- Website
- https://fordhamcapital.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Fordham Capital is a privately held SMB lending marketplace founded in 2015 in Manhasset, New York, connecting small business borrowers to a network of banks, lenders, and funders via SBA loans, lines of credit, working capital, and merchant cash advances.
- Ownership category
- akta.pro rank
Fordham Capital industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
Keywords
Where Fordham Capital is headquartered
LocationHeadquarters
- HQ city
- Manhasset
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Fordham Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Broker/Referral Fees from Lending Network: Fordham Capital acts as an intermediary platform connecting small and medium-sized businesses with lenders, funders, and brokers. The company earns referral or origination fees by facilitating funding matches between borrowers and its network of financial partners. Fordham Capital does not provide direct loans but monetizes by connecting borrowers to third-party lenders and collecting fees from those lenders or borrowers in the network.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | SBA Loan — Federal-backed loans for business growth with the lowest rates but highest eligibility requirements. |
| Other | Pay-as-you-go | Line of Credit — Flexible revolving credit access for ongoing business expenses with moderate eligibility. |
| Other | Monthly | Working Capital — Short to long-term funding for daily business operations with the lowest eligibility requirements. |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Fordham Capital product offering
Product offeringCore offering
Fordham Capital is a small business financing marketplace and consulting platform that connects SMB owners to a network of banks, lenders, and funders. Through a one-page digital application with 24-hour approvals and soft credit pulls, the company facilitates SBA Loans, Lines of Credit, Working Capital loans, Merchant Cash Advances, and Term Funding sourced from third-party lending partners. The company earns referral/origination fees from its lending network rather than directly underwriting loans.
Product overview
Fordham Capital operates as a small business financing marketplace that connects entrepreneurs with a network of banks, lenders, and funders offering multiple funding products. The core offerings include SBA Loans (federal-backed loans for growth and expansion), Lines of Credit (flexible revolving credit for ongoing expenses), Working Capital Loans (short-term funding for daily operations), Merchant Cash Advances (revenue-based lump sum funding), and Term Funding (fixed-amount loans with structured repayment). The platform is built around a one-page application process with 24-hour approvals and positions itself as an intermediary connecting small businesses to suitable funding sources rather than directly lending capital.
Differentiator
Problem solved
Functional benefit
Products and services
- SBA Loan
Quantifiable outcome
- Funded over $120M nationally for small and medium-sized businesses
- +2 more outcomes
Companies that use Fordham Capital
Customer profileSegments3 records
Ideal customer profiles3 records
Fordham Capital technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Fordham Capital partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
Fordham Capital competitors and assessment
Company assessmentBroad incumbents
- LendingTree: LendingTree operates a large-scale multi-product loan marketplace including a small business lending vertical, serving borrowers through lender network referrals - a much larger incumbent in the same online brokerage category as Fordham.
- Kabbage (American Express): Kabbage, now part of American Express, historically provided working capital lines to SMBs via a tech-driven application and lender partnership model, overlapping with Fordham's working capital and line of credit offerings for small businesses.
- Credible: Credible operates an online lending marketplace aggregating multiple lender offers for consumer and small business borrowers using a single-application model - the same digital marketplace/aggregator mechanic Fordham applies to SMBs.
Direct peers
- Fundera: Fundera (acquired by American Express) is an SMB loan marketplace that matches small business owners with multiple lenders across SBA loans, lines of credit, and working capital - identical brokerage model to Fordham with comparable product breadth.
- Biz2Credit: Biz2Credit is an SMB lending marketplace matching small business borrowers to banks and alternative lenders across term loans, lines of credit, and SBA products - directly comparable brokerage model to Fordham Capital.
- SmartBiz (acquired by H&R Block): SmartBiz is an SBA-focused online lending marketplace that matches SMBs to SBA-preferred lenders using a streamlined digital application, directly comparable to Fordham's SBA loan marketplace offering.
- Funding Circle (US): Funding Circle operates an SMB loan marketplace originating term loans and lines of credit through a network of lending partners, overlapping with Fordham's working capital and term loan facilitation via its lender network.
- National Funding: National Funding is an alternative SMB lender providing working capital, MCA, and equipment financing directly to small businesses - a comparable product set to Fordham's working capital and MCA offerings (differing on direct-lending vs. brokerage model).
- Lendio: Lendio operates an SMB loan marketplace connecting borrowers to a network of lenders across SBA loans, lines of credit, working capital, and MCA products - directly comparable to Fordham Capital's marketplace model and product set.
Regional players
- Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit small business lender focused on underserved SMBs, offering working capital and SBA loans - overlapping with Fordham's mission of serving bank-rejected SMB borrowers with working capital and SBA products.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Fordham Capital social profiles
Digital presenceFordham Capital compliance and trust
Trust signalCompliance1 record
Fordham Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fordham Capital leadership team
Management profileNumber of profiles
Profiles4 records
Fordham Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fordham 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 Fordham Capital
What does Fordham Capital do?
Fordham Capital is a small business financing marketplace and consulting platform that connects SMB owners to a network of banks, lenders, and funders. Through a one-page digital application with 24-hour approvals and soft credit pulls, the company facilitates SBA Loans, Lines of Credit, Working Capital loans, Merchant Cash Advances, and Term Funding sourced from third-party lending partners. The company earns referral/origination fees from its lending network rather than directly underwriting loans.
Is Fordham Capital a public or private company?
Fordham Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Fordham Capital founded?
Fordham Capital was founded in 2015. It employs 1 to 10 people.
Where is Fordham Capital based?
Fordham Capital is headquartered in Manhasset, United States, in the North America region.
How does Fordham Capital make money?
One revenue line is on record: broker/Referral Fees from Lending Network.
Who are Fordham Capital's main competitors?
Broad incumbents on record are LendingTree, Kabbage (American Express) and Credible. Direct peers are Fundera, Biz2Credit, SmartBiz (acquired by H&R Block), Funding Circle (US), National Funding and Lendio. Accion Opportunity Fund is listed as a regional player.
Does Fordham Capital have an API?
No public API is recorded for Fordham Capital.
What industry is Fordham Capital in?
Fordham Capital's product category is Small Business Lending. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 52231 and its SIC code is 6162.