CAFI

Commercial Lending / Accounts Receivable Financingcafi-usa.com

Company typePrivate
Founded1995
HeadquartersEl Paso, United States
Headcount11–50
GTM typeB2B
OfferingServices

CAFI firmographics

Firmographics

Name: CAFI
Legal name: Capital Active Funding Inc.
Website: https://cafi-usa.com
Company type: Private
Founded year: 1995
Operating status: Operating
Headcount range: 11–50 employees
Ownership category
akta.pro rank

CAFI industry classification

Industry

Product category: Commercial Lending / Accounts Receivable Financing
NAICS: Sales Financing (52222), Sales Financing (522220)
SIC: Short-Term Business Credit Institutions (6153)
akta.pro industry: PRIMARYFSABAHAD
Receivables Finance (Factoring, Invoice Discounting, Forfaiting)
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Trade Finance & Supply Chain Banking

Keywords

Accounts receivable financing
Construction contractor lending
Working capital loans
Government contract financing
Invoice factoring services

Where CAFI is headquartered

Location

Headquarters

HQ city: El Paso
HQ country: United States
HQ region: North America

Offices2 records

Markets served

CAFI business model

Business model

GTM type: B2B
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

Accounts Receivable Financing: CAFI provides working capital financing by advancing up to 80% of invoice amounts to contractors. When payment is received (typically 30-40 days later), CAFI collects the full payment and forwards the balance minus their service fee. Revenue generated from service fees charged on each transaction.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Invoice financing with 80% advance rate

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

CAFI product offering

Product offering

Core offering

CAFI provides short-term accounts receivable financing to commercial construction and service contractors. The company advances up to 80% of approved invoice values immediately, collects the full invoice payment from the customer when it is received (typically 30-40 days later), and forwards the balance to the contractor less a service fee. CAFI also issues Letters of Commitment recognized by the U.S. Federal Government and private sector to support contractors pursuing government contracts.

Product overview

CAFI operates as a single, unified lending program focused on providing working capital to commercial construction and service companies. The core offering is a short-term accounts receivable financing program that advances contractors up to 80% of their invoices while they wait 30-60 days for payment. CAFI also provides Letters of Commitment to support contractors bidding on government contracts. The company does not create debt on the borrower's balance sheet and requires no financial statements or tax returns for approval.

Differentiator

Problem solved

Functional benefit

Products and services

Accounts Receivable Financing Program

Quantifiable outcome

3,600+ new homes financed on military base re-alignment projects
+2 more outcomes

Companies that use CAFI

Customer profile

Named customers5 records

Segments4 records

Ideal customer profiles2 records

CAFI technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature1 record

CAFI partnerships and signals

Strategic signal

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

CAFI competitors and assessment

Company assessment

Direct peers

Riviera Finance: Riviera Finance is a non-bank factor providing invoice factoring and receivables-based financing to small and mid-sized businesses across the U.S., including construction and service firms, making it a direct functional peer to CAFI.
BlueVine: BlueVine is a fintech providing invoice factoring and lines of credit to small and mid-sized businesses. It competes with CAFI in receivables-based working capital, with a more digital, national model rather than CAFI's regional relationship-led approach.
Porter Capital: Porter Capital is a non-bank factoring and working capital provider focused on small and mid-sized businesses, including contractors. Its invoice-factoring model directly mirrors CAFI's AR financing product.
Billd: Billd provides financing specifically to commercial construction contractors for materials and project costs. It targets the same construction contractor pain point as CAFI (working capital during long payment cycles) via a more tech-forward model.
Fundbox: Fundbox provides short-term working capital advances to small businesses, often integrated with accounting platforms. It overlaps with CAFI's invoice-advance use case but serves a broader SMB base digitally rather than specializing in government contractors.
Triumph Business Capital: Triumph provides factoring and asset-based lending to transportation, staffing, and construction businesses. Its construction-facing factoring programs overlap with CAFI's contractor-focused receivables financing.

Others

Accion Opportunity Fund: Accion Opportunity Fund is a mission-driven small business lender serving minority, women, and veteran-owned businesses, often those seeking government contracts. It competes indirectly with CAFI in the same DBE/WBE/Veteran contractor segment but with a non-profit, community-development focus.

Broad incumbents

Live Oak Bank: Live Oak Bank is a top SBA 7(a) lender with a strong focus on government contractors, including construction franchises. It overlaps with CAFI's customer base by lending to small government contractors, but as a chartered bank rather than a non-bank factor.
Kapitus: Kapitus is a non-bank small business lender offering working capital, factoring, and SBA loans. It competes with CAFI for small-business working-capital demand, but serves a wider set of industries beyond construction.
Lendio: Lendio operates a small-business loan marketplace connecting borrowers with multiple financing products, including working capital and SBA loans. It competes for the same creditworthy-but-bank-rejected contractors CAFI serves, though through a broader, multi-lender model.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

CAFI compliance and trust

Trust signal

Compliance2 records

CAFI financial estimates

Financial estimate

Revenue estimate

Valuation estimate

CAFI leadership team

Management profile

Number of profiles

Profiles5 records

CAFI funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

CAFI M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CAFI

What does CAFI do?

Is CAFI a public or private company?

CAFI is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was CAFI founded?

CAFI was founded in 1995. It employs 11 to 50 people.

Where is CAFI based?

CAFI is headquartered in El Paso, United States, in the North America region.

How does CAFI make money?

One revenue line is on record: accounts Receivable Financing.

Who are CAFI's main competitors?

Direct peers on record are Riviera Finance, BlueVine, Porter Capital, Billd, Fundbox and Triumph Business Capital. Accion Opportunity Fund is listed as an others. Broad incumbents are Live Oak Bank, Kapitus and Lendio.

Does CAFI have an API?

No public API is recorded for CAFI.

What industry is CAFI in?

CAFI's product category is Commercial Lending / Accounts Receivable Financing. Its primary akta.pro industry code is FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 52222 and its SIC code is 6153.