Cedar Ridge Capital
Cedar Ridge Capital is a US online direct-to-consumer lender offering business loans, working capital funding, and invoice factoring to small enterprises via a digital application with ACH-based automated repayment.
- Company typePrivate
- Founded-
- HeadquartersBoise, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Cedar Ridge Capital does
Cedar Ridge Capital is a privately held US online lender, structured as Cedar Ridge Capital, LLC (Nevada-domiciled), that originates business loans, working capital advances, and invoice factoring to small enterprises. Its operating footprint covers 49 US states; California applicants are redirected to a separately licensed related entity holding a California DFPI Finance Lenders Law License (#603K815). The company positions itself on speed — financing terms delivered within hours during business hours and funding within 24–48 hours of approval — and on transparent, flat-fee pricing disclosed before acceptance (example: $3,600 fee on an $8,000 advance, repaid via daily or weekly ACH debits over roughly 100–160 days).
The platform is a direct-to-consumer digital application on cedar-cap.com, with no public API or mobile app. Underwriting relies on third-party bank-data aggregators Plaid and Yodlee for view-only transactional review, against stated eligibility thresholds (6 months operating history, $500 daily average bank balance, $6,000 monthly revenue). Repayment is automated via ACH with reminder notifications. The marketing mix spans phone outreach, SMS/autodialer, email, and direct mail feeding the self-serve web funnel. The legal entity holds only the California DFPI lending license as a disclosed credential; no patents, certifications, or proprietary technology beyond the application workflow are identified.
Commercially, Cedar Ridge Capital operates with a 1–10 employee headcount, no disclosed outside investors or funding rounds, and revenue generated purely as transaction fees on originated advances. No management team, advisors, or ownership detail is disclosed. The business model is therefore a lean, founder-controlled small-dollar MCA operation competing on speed and simplicity within a highly commoditized segment of US small-business finance.
Cedar Ridge Capital firmographics
Firmographics- Name
- Cedar Ridge Capital
- Legal name
- Cedar Ridge Capital, LLC
- Website
- https://cedar-cap.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cedar Ridge Capital is a US online direct-to-consumer lender offering business loans, working capital funding, and invoice factoring to small enterprises via a digital application with ACH-based automated repayment.
- Ownership category
- akta.pro rank
Cedar Ridge Capital industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)
Keywords
Where Cedar Ridge Capital is headquartered
LocationHeadquarters
- HQ city
- Boise
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Cedar Ridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales
Revenue model
- Business Loan/Advance Origination: Cedar Ridge Capital provides business loans, lines of credit, and advances to qualified small businesses. The company earns revenue through flat fees charged on the financing amount. Fees are paid as part of daily, weekly, or monthly repayments. The example pricing shows $8,000 in financing requiring total repayment of $11,600 over 100 days (daily) or 20 weeks (weekly), representing a flat fee structure where the total cost is known upfront before acceptance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | $8,000 financing example showing daily payment option |
| Transaction based/ take rate | Pay-as-you-go | $8,000 financing example showing weekly payment option |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Cedar Ridge Capital product offering
Product offeringCore offering
Cedar Ridge Capital provides short-term working capital financing to small US businesses in the form of business loans, lines of credit, cash advances, and invoice factoring. Applications are submitted online and underwriting is completed within hours during business hours, with funds delivered via automated transfer to the business bank account within 24-48 hours of approval. Repayment is collected automatically via ACH debits from the borrower's business checking account on a daily, weekly, or monthly cadence, with a flat fee disclosed upfront before acceptance.
Product overview
Cedar Ridge Capital is a business lending company offering a unified platform for small business financing. The core products include Business Loans, Working Capital Funding, and Invoice Factoring services. All offerings provide rapid access to capital through a simplified digital application process, with funding decisions typically within hours and proceeds delivered within 24-48 hours of approval. Repayments are handled through automated ACH debiting from business bank accounts on daily, weekly, or monthly schedules.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Loans
- Working Capital Funding
- Invoice Factoring
Quantifiable outcome
- Funding within 24-48 hours of approval
- +2 more outcomes
Companies that use Cedar Ridge Capital
Customer profileSegments1 record
Ideal customer profiles1 record
Cedar Ridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature2 records
Cedar Ridge Capital partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- PlaidcoreCedar Ridge Capital uses Plaid's service to securely access and review transactional bank account information for underwriting purposes. The company has view-only access to transaction data provided by Plaid.
- YodleecoreCedar Ridge Capital uses Yodlee's service as an alternative to Plaid for securely accessing and reviewing transactional bank account information for underwriting purposes. The company has view-only access to transaction data provided by Yodlee.
- Cedar Ridge Capital (California Entity)minorDue to differences in California lending laws, Cedar Ridge Capital redirects California-based business applicants to a partner Cedar Ridge Capital entity that is licensed by the California Department of Financial Protection and Innovation (DFPI) under Finance Lenders Law License #603K815. The partner provides the same level of service and product selection.
Scale indicators2 records
Recent moves1 record
Expansion highlights4 records
Cedar Ridge Capital competitors and assessment
Company assessmentDirect peers
- Bluevine: Digital SMB banking and lending platform offering lines of credit and invoice factoring to small businesses. Direct competitor in the same revenue-based working capital category with similar online application and ACH repayment mechanics.
- CAN Capital: Long-standing direct provider of working capital and small business loans/MCAs with daily/weekly repayment structures. Directly comparable product set and target customer to Cedar Ridge Capital.
- Lendio: SMB loan marketplace connecting small businesses to multiple lenders. While more of a marketplace, it competes for the same SMB working capital borrower and offers similar short-term business financing products.
- Forward Financing: Direct revenue-based financing provider to small businesses, with daily/weekly ACH repayments and underwriting tied to business revenue. Direct competitor in the MCA/RBF category.
- OnDeck (now Enova subsidiary): Online direct lender to small businesses offering short-term working capital loans and lines of credit with daily ACH repayment — directly comparable business model, customer segment, and repayment structure to Cedar Ridge Capital.
- Fundbox: Provides SMBs with working capital advances and invoice factoring through a digital platform, with automated underwriting tied to business bank data — closely matching Cedar Ridge Capital's product mix and underwriting data sources.
- National Funding: Direct online small business lender providing working capital advances, equipment financing, and invoice factoring with rapid funding — overlapping product offering and similar customer base.
Emerging players
- Accion Opportunity Fund: Nonprofit small business lender offering working capital and microloans to underserved SMBs. Partial overlap in customer profile and short-term funding products, though mission-driven rather than purely commercial.
- StreetShares (now Part of Jerry): SMB-focused online lending platform offering working capital and term loans with rapid funding. Comparable product and customer segment, though with stronger programming toward veteran-owned businesses.
Broad incumbents
- Biz2Credit: Online SMB lending platform handling a broader array of products (term loans, lines of credit, SBA loans, equipment financing). Comparable SBA/SMB customer focus with broader product portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Cedar Ridge Capital social profiles
Digital presenceCedar Ridge Capital compliance and trust
Trust signalCompliance1 record
Cedar Ridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cedar Ridge Capital leadership team
Management profileNumber of profiles
Cedar Ridge Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cedar Ridge 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 Cedar Ridge Capital
What does Cedar Ridge Capital do?
Cedar Ridge Capital provides short-term working capital financing to small US businesses in the form of business loans, lines of credit, cash advances, and invoice factoring. Applications are submitted online and underwriting is completed within hours during business hours, with funds delivered via automated transfer to the business bank account within 24-48 hours of approval. Repayment is collected automatically via ACH debits from the borrower's business checking account on a daily, weekly, or monthly cadence, with a flat fee disclosed upfront before acceptance.
Is Cedar Ridge Capital a public or private company?
Cedar Ridge Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Cedar Ridge Capital founded?
Cedar Ridge Capital was founded in -1. It employs 1 to 10 people.
Where is Cedar Ridge Capital based?
Cedar Ridge Capital is headquartered in Boise, United States, in the North America region.
How does Cedar Ridge Capital make money?
One revenue line is on record: business Loan/Advance Origination.
Who are Cedar Ridge Capital's main competitors?
Direct peers on record are Bluevine, CAN Capital, Lendio, Forward Financing, OnDeck (now Enova subsidiary), Fundbox and National Funding. Emerging players are Accion Opportunity Fund and StreetShares (now Part of Jerry). Biz2Credit is listed as a broad incumbent.
Does Cedar Ridge Capital have an API?
No public API is recorded for Cedar Ridge Capital.
What industry is Cedar Ridge Capital in?
Cedar Ridge Capital's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAHAJAE, Direct Lending — Asset-Based Lending (ABL). Its NAICS code is 5223.