Cucumber Capital
Cucumber Capital, LLC is a US private alternative lender providing merchant cash advances of $10,000 to $3,000,000 to small and mid-sized businesses across nine verticals including healthcare, retail, ecommerce, and manufacturing, using human-driven underwriting and direct plus ISO broker channels.
- Company typePrivate
- Founded2022
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Cucumber Capital does
Cucumber Capital, LLC is a privately held US alternative-finance company that provides merchant cash advances (MCAs) to small and mid-sized businesses. Funding tickets range from $10,000 bridge loans up to $3,000,000 in working capital, with capital deployment occurring within hours of approval and same-day funding available upon underwriting. The company positions its underwriting as 'Human Touch Underwriting,' explicitly emphasizing human-driven cash flow analysis and tailored credit decisions over fully automated decisioning, with no proprietary technology stack or AI/ML components disclosed.
The company sells through three channels: a direct-to-consumer online application portal on cucumberfunding.com, inside phone sales supported by a dedicated toll-free number (855-Q-CUMBER), and an ISO (Independent Sales Organization) partner program that allows third-party brokers to submit deals. The product portfolio centers on business funding, supplemented by a financial consulting services add-on. Customers span nine verticals — with healthcare flagged as the primary segment and education, manufacturing, oil & gas, tech, retail, ecommerce, hospitality, and communication as secondary segments — indicating a deliberately broad vertical strategy.
Economically, Cucumber Capital earns transaction-fee revenue on the MCAs it originates, with no publicly disclosed factor rates, advance amounts, or portfolio volume. The company is an LLC with no disclosed parent, investors, or institutional capital partners, and operates three physical offices in Connecticut, Florida, and New York while serving customers across the US. No patents, regulatory actions, leadership profiles, awards, or financial disclosures are available beyond current operating status.
Cucumber Capital firmographics
Firmographics- Name
- Cucumber Capital
- Legal name
- Cucumber Capital, LLC
- Website
- https://cucumberfunding.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cucumber Capital, LLC is a US private alternative lender providing merchant cash advances of $10,000 to $3,000,000 to small and mid-sized businesses across nine verticals including healthcare, retail, ecommerce, and manufacturing, using human-driven underwriting and direct plus ISO broker channels.
- Ownership category
- akta.pro rank
Cucumber Capital industry classification
Industry- Product category
- Alternative Business Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- Merchant Cash Advance & Payment-linked Lending (CRAFALAK)
Keywords
Where Cucumber Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Cucumber Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Merchant Cash Advances: Provides merchant cash advances as an alternative funding solution. Businesses receive upfront capital in exchange for future revenue repayments typically deducted as a percentage of daily sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bridge funding starting at $10,000 |
| Transaction based/ take rate | Pay-as-you-go | Working capital up to $3,000,000 |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Cucumber Capital product offering
Product offeringCore offering
Cucumber Capital provides merchant cash advances and alternative business financing to small and mid-sized U.S. businesses, with funding amounts ranging from $10,000 bridge loans up to $3,000,000 working capital. The company differentiates through a "Human Touch Underwriting" approach that pairs cash flow analysis with human underwriter judgment, and offers same-day funding within hours of approval via a three-step online application, accelerated underwriting, and expedited fund delivery.
Product overview
Cucumber Capital operates as a business funding services company offering merchant cash advances as its core product, with advances ranging from $10,000 to $3,000,000. The company distinguishes itself through human touch underwriting and expedited funding processes. The product portfolio consists of Business Funding as the primary offering, supplemented by Consulting Services for financial guidance and an ISO Partner Program for independent sales organizations to submit deals. The platform emphasizes a streamlined 3-step process: simple online application, accelerated underwriting with cash flow analysis, and expedited same-day funding.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Funding (Merchant Cash Advances)
Quantifiable outcome
- Funding within hours of approval
- +2 more outcomes
Companies that use Cucumber Capital
Customer profileSegments9 records
Ideal customer profiles2 records
Cucumber Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Cucumber Capital partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights4 records
Cucumber Capital competitors and assessment
Company assessmentDirect peers
- Kapitus: Provides working capital and SBA loans to SMBs across diverse industries, operating as both direct funder and partner, broadly comparable to Cucumber Capital's product breadth.
- Lendio: Operates a SMB lending marketplace connecting businesses to multiple funding sources including MCAs, serving as a complementary and competitive channel to Cucumber's ISO partner model.
- Credibly: Specializes in working capital solutions, including MCAs and term loans, for SMBs across diverse industries, overlapping directly with Cucumber Capital's vertical strategy.
- Fundbox: Provides SMB working capital via short-term advances and lines of credit using automated underwriting, competing with Cucumber Capital in the SMB cash-flow financing market.
- National Funding: Provides merchant cash advances and small business funding with a multi-channel acquisition model and fast approval, directly competing with Cucumber in the SMB working capital space.
- BlueVine: Offers working capital lines, invoice factoring, and term loans to SMBs, competing with Cucumber Capital in the alternative small business funding category.
- Everest Business Funding: Direct MCA peer offering merchant cash advances to small businesses across multiple verticals with rapid funding timelines comparable to Cucumber's same-day approach.
- Forward Financing: Direct competitor offering revenue-based advances and working capital lines to US SMBs via a fast online application and same-day funding, closely mirroring Cucumber Capital's core product.
- Pearl Capital: Direct MCA provider serving SMBs with working capital advances, operating with a similar business model and customer profile to Cucumber Capital.
Broad incumbents
- OnDeck (Enova): Large-scale SMB online lender offering term loans and lines of credit across the US, representing the broader incumbent alternative lending category in which Cucumber competes.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Cucumber Capital social profiles
Digital presenceCucumber Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cucumber Capital leadership team
Management profileNumber of profiles
Cucumber Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cucumber 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 Cucumber Capital
What does Cucumber Capital do?
Cucumber Capital provides merchant cash advances and alternative business financing to small and mid-sized U.S. businesses, with funding amounts ranging from $10,000 bridge loans up to $3,000,000 working capital. The company differentiates through a "Human Touch Underwriting" approach that pairs cash flow analysis with human underwriter judgment, and offers same-day funding within hours of approval via a three-step online application, accelerated underwriting, and expedited fund delivery.
Is Cucumber Capital a public or private company?
Cucumber Capital is a private company. It is classified as unknown and is currently operating.
When was Cucumber Capital founded?
Cucumber Capital was founded in 2022. It employs 1 to 10 people.
Where is Cucumber Capital based?
Cucumber Capital is headquartered in New York, United States, in the North America region.
How does Cucumber Capital make money?
One revenue line is on record: merchant Cash Advances.
Who are Cucumber Capital's main competitors?
Direct peers on record are Kapitus, Lendio, Credibly, Fundbox, National Funding, BlueVine, Everest Business Funding, Forward Financing and Pearl Capital. OnDeck (Enova) is listed as a broad incumbent.
Does Cucumber Capital have an API?
No public API is recorded for Cucumber Capital.
What industry is Cucumber Capital in?
Cucumber Capital's product category is Alternative Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of CRAFALAK, Merchant Cash Advance & Payment-linked Lending. Its NAICS code is 522 and its SIC code is 6153.