B2B Funding
B2B Funding is a U.S.-based alternative lender offering merchant cash advances and credit card processing to small and medium businesses declined by traditional banks, underwriting on bank deposit volume rather than personal credit and operating from San Juan, Puerto Rico.
- Company typePrivate
- Founded2016
- HeadquartersSan Juan, Puerto Rico
- Headcount11–50
- GTM typeB2B
- OfferingServices
What B2B Funding does
B2B Funding (legal entity: B2B Marketing) is a U.S.-based, privately-held alternative financing company headquartered in San Juan, Puerto Rico, founded in 2016. The company provides merchant cash advances and merchant services to small and medium-sized businesses that have been declined or underserved by traditional banks, with a stated emphasis on underwriting business cash flow rather than personal credit history. The flagship product, Quick Business Advance, purchases a portion of a business's future bank deposits at a discount and recoups the advance via fixed automatic ACH withdrawals from the business checking account on weekdays only, with advances up to $500,000 and refinancing available after 60% repayment. A second product, Credit Card Processing with a Cash Discount Program, lets merchants accept card payments while offsetting processor fees, with EMV chip terminals, cloud-based receipts, next-day funding, and ApplePay/Android Pay support.
The underlying technology is a conventional ACH-based disbursement and collection pipeline integrated with Plaid for bank account verification and the extraction of four months of bank-statement history for underwriting. Distribution is direct-to-SMB through a self-serve online application and an inside-sales team reachable via a U.S. toll-free number, supported by an English/Spanish bilingual website. The company has cumulatively funded $100M+ across 300,000 transactions and employs between 11 and 50 people.
Revenue is generated primarily from the discount spread on merchant cash advances (a transaction-fee model) and secondarily from transaction fees on credit card processing volume. Pricing is quote-based and determined per applicant using last-four-months bank-statement deposit history and commercial information rather than publicly listed rates; fixed-rate structures with no collateral and no application fees are emphasized in marketing. The customer base is a long-tail of SMBs across restaurants, retail, agriculture, manufacturing, auto detailing, aesthetic services, and pharmacy, with concentration in Puerto Rico and the broader U.S. Hispanic SMB market.
B2B Funding firmographics
Firmographics- Name
- B2B Funding
- Legal name
- B2B Marketing
- Website
- https://b2bfunding.net
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- B2B Funding is a U.S.-based alternative lender offering merchant cash advances and credit card processing to small and medium businesses declined by traditional banks, underwriting on bank deposit volume rather than personal credit and operating from San Juan, Puerto Rico.
- Ownership category
- akta.pro rank
B2B Funding industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
- akta.pro secondary industry
- B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout) (FSAKAFAO)
Keywords
Where B2B Funding is headquartered
LocationHeadquarters
- HQ city
- San Juan
- HQ country
- Puerto Rico
- HQ region
- Latin America
Offices1 record
Markets served
B2B Funding business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Others
Revenue model
- Quick Business Advance: Merchant cash advance product where B2B Funding purchases future bank deposits at a discount. Businesses receive immediate capital in exchange for fixed repayments deducted from their business checking account. Revenue generated from the discount spread between funds advanced and total repayment amount.
- Credit Card Processing: Cash Discount Program allowing merchants to accept credit cards while offsetting merchant service fees. Next-day funding on processing sales. Revenue likely generated through transaction fees on card processing volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quick Business Advance up to $500,000 based on monthly deposit volume |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
B2B Funding product offering
Product offeringCore offering
B2B Funding provides merchant cash advances (Quick Business Advance) to U.S. small and medium-sized businesses by purchasing future bank deposits at a discount. The company also offers a Credit Card Processing service with a Cash Discount Program that enables merchants to accept card payments while offsetting merchant service fees. Approval is based on monthly business bank deposit volume rather than personal credit history.
Product overview
B2B Funding offers a dual-product financial services portfolio for U.S. businesses: the Quick Business Advance as the core funding product that provides working capital based on future bank deposits, and a Credit Card Processing service featuring a Cash Discount Program. These products serve small and medium-sized businesses seeking alternative financing outside traditional banking, with approval processes that evaluate business potential rather than personal credit.
Differentiator
Problem solved
Functional benefit
Products and services
- Quick Business Advance
Quantifiable outcome
- 24-hour pre-qualification and same-day approval
- +2 more outcomes
Companies that use B2B Funding
Customer profileNamed customers10 records
Segments1 record
Ideal customer profiles2 records
B2B Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
B2B Funding partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Plaid Inc.coreB2B Funding uses Plaid Inc. to gather End User's data from financial institutions. By using the service, customers grant B2B Funding and Plaid the right to access and transmit personal and financial information from relevant financial institutions. Personal and financial information is transferred, stored, and processed by Plaid in accordance with Plaid's Privacy Policy.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
B2B Funding competitors and assessment
Company assessmentDirect peers
- Credibly: Specializes in working capital advances and small business loans for U.S. SMBs with bank-statement-based underwriting and rapid funding — closely matching B2B Funding's core model.
- Rapid Finance: Direct online MCA and small business funding provider with a self-serve application, ACH-based repayment, and emphasis on speed — overlapping functionally with B2B Funding.
- Fundbox: Online SMB working capital provider using bank-account/ACH data for short-term advances to small businesses; serves a similar SMB use case with a digital funnel.
- Can Capital: Long-standing online MCA provider to U.S. SMBs; uses revenue/deposit-based underwriting and short-term working capital advances — a direct structural and product parallel to B2B Funding's Quick Business Advance.
- Forward Financing: Revenue-based financing provider to U.S. small businesses, with daily/weekly ACH repayment and deposit-driven underwriting — a clear functional comparator.
- National Funding: Provides working capital advances and small business loans to SMBs across the U.S., with similar speed-to-fund emphasis and underwriting on cash flow rather than solely personal credit.
Broad incumbents
- BlueVine: Provides SMB lines of credit, term loans, and invoice factoring via a digital platform; targets the same SMB working-capital segment with a broader suite of credit products.
- Lendio: SMB lending marketplace aggregating multiple funders (including MCA providers); competes for the same end SMB borrower and could serve as a distribution channel alternative to B2B Funding's direct model.
- OnDeck: Established online small business lender offering term loans and lines of credit; broader product set than B2B Funding but directly competes for the same SMB working-capital customer.
Emerging players
- Square (Block) - Capital: Embedded working capital product tied to Square's payment processing volumes — a parallel model that combines processing residual revenue with revenue-based advances, similar to B2B Funding's two-product bundle.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
B2B Funding social profiles
Digital presenceB2B Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
B2B Funding leadership team
Management profileNumber of profiles
Profiles1 record
B2B Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
B2B Funding 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 B2B Funding
What does B2B Funding do?
B2B Funding provides merchant cash advances (Quick Business Advance) to U.S. small and medium-sized businesses by purchasing future bank deposits at a discount. The company also offers a Credit Card Processing service with a Cash Discount Program that enables merchants to accept card payments while offsetting merchant service fees. Approval is based on monthly business bank deposit volume rather than personal credit history.
Is B2B Funding a public or private company?
B2B Funding is a private company. It is classified as unknown and is currently operating.
When was B2B Funding founded?
B2B Funding was founded in 2016. It employs 11 to 50 people.
Where is B2B Funding based?
B2B Funding is headquartered in San Juan, Puerto Rico, in the Latin America region.
How does B2B Funding make money?
Two revenue lines are on record. Quick Business Advance is the primary driver. The others are credit Card Processing.
Who are B2B Funding's main competitors?
Direct peers on record are Credibly, Rapid Finance, Fundbox, Can Capital, Forward Financing and National Funding. Broad incumbents are BlueVine, Lendio and OnDeck. Square (Block) - Capital is listed as an emerging player.
Does B2B Funding have an API?
No public API is recorded for B2B Funding.
What industry is B2B Funding in?
B2B Funding's product category is Alternative Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing, with a secondary code of FSAKAFAO, B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout). Its NAICS code is 52229 and its SIC code is 6153.