Mulah

What Mulah does

Mulah is a private, for-profit business funding platform operated as Mulah.com LLC and based in Wilmington, Delaware. Founded in 2019, the company serves U.S. small and medium-sized businesses, startups, and established companies seeking working capital, term loans, lines of credit, merchant cash advances, equipment financing, invoice factoring, SBA loans, asset-based lending, startup funding, and other business financing products. Its stated customer base spans 500+ industries, with funding use cases including cash flow management, payroll, inventory, equipment, expansion, real estate, acquisitions, and emergency capital needs.

The platform combines online application intake, phone-based support, and AI-assisted tools. Its AI Funding Calculator estimates eligibility from monthly sales volume and credit score ranges, its AI FAQ Assistant answers funding questions, and its AI Funding Flow routes applicants toward capital options using structured inputs such as revenue, deposits, credit profile, industry, and operating history. Core product ranges include working capital funding from $10,000 to $2 million+, term loans from $25,000 to $5 million+ with 6-month to 10-year terms, business lines of credit up to $150,000, and same-day funding up to $100,000 for qualifying applications in select states.

Mulah’s revenue model is tied to interest and fees on funded capital advances and loans, plus partner and referral economics from ISO partners, funding brokers, accountants, CPAs, consultants, affiliates, and other referral sources. Disclosed average annualized rates were approximately 56.4% for term-based funding and 56.6% for lines of capital for advances originated during the six months ending June 30, 2025. Go-to-market is primarily digital self-serve through mulah.com, supplemented by phone sales, SEO-driven industry and state landing pages, competitor comparison pages, content marketing, social channels, and a 30+ category partner referral network.

Name

Mulah

Legal name

Mulah.com LLC

Website

https://mulah.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Mulah is a private business funding platform that connects U.S. SMBs, startups, and established companies with working capital, term loans, lines of credit, and related financing using AI-assisted eligibility and matching tools.

Ownership category

akta.pro rank

Product category

Small Business Lending & Alternative Financing

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Merchant Cash Advance (MCA) Marketplaces (FSAKAHAI), Lending & Credit Disbursements (FSAMAKAH)

Keywords

• Business lending
• Small business funding
• Working capital loans
• Merchant cash advance
• Alternative business financing

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Supply Chain

Revenue model

1. Business Funding Products: Mulah earns revenue through interest and fees on funded capital advances and loans, including term loans, business lines of credit, merchant cash advances, equipment financing, and other business funding products. Average annualized rates are approximately 56.4% for term-based funding and 56.6% for lines of capital (based on six months ending June 30, 2025). Revenue is generated from the spread between cost of capital and fees charged to borrowers.
2. Partner/Referral Fees: Mulah generates referral fees through its extensive partner network including ISO partners, funding brokers, and other referral partners who send qualified business funding applications.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Mulah is an AI-powered business funding platform that matches business owners with a broad portfolio of capital solutions including working capital, term loans, lines of credit, merchant cash advances, equipment financing, invoice factoring, SBA loans, and industry-specific funding products ranging from $10K to $5M+. The company uses AI-driven tools (AI Funding Calculator, AI FAQ Assistant, automated funding flow) to deliver fast 24-hour application reviews and same-day funding for qualifying applicants, supporting 500+ industries across 48 U.S. states.

Product overview

Mulah is an AI-powered business funding platform that serves as a comparison and matching marketplace connecting small and medium-sized business owners with flexible capital solutions. The platform offers a unified portfolio of over 25 distinct funding products including Working Capital Funding ($10K–$2M+), Business Term Loans ($25K–$5M+), Business Lines of Credit (up to $150K), Merchant Cash Advances, Equipment Financing, Invoice Factoring, Purchase Order Financing, Accounts Receivable Financing, Revenue-Based Financing, SBA Loans, Asset-Based Lending, Startup Funding, Bridge Loans, Emergency Loans, Same-Day Funding, Microloans, Real Estate Financing, Unsecured Loans, and specialized products for bad credit, women-owned businesses, franchises, and non-dilutive capital. The platform differentiates through AI-powered tools including an AI Funding Calculator that estimates eligibility based on credit and revenue inputs, an AI FAQ Assistant ('Mulah AI Answer Mode'), and an automated 'AI Funding Flow' that scans application paths to match applicants with appropriate options. Supporting tools include an Industry Funding Finder covering 100+ industries, a State Funding Finder for all 50 U.S. states, a Business Funding Calculator, and a Partner Programs network of 30+ referral partnerships. The three-step process (Apply, Review, Funded) is designed for speed with 24-hour review capability.

Differentiator

Problem solved

Functional benefit

Products and services

• Working Capital Funding Flexible capital for managing cash flow, covering business expenses, and pursuing growth opportunities. Funding available from $10,000 to over $2 million for SMBs needing working capital.
• Business Term Loans Structured business term loan funding with predictable repayment terms for working capital, equipment, inventory, payroll, renovations, and long-term growth. Funding ranges from $25,000 to $5 million+ with terms from 6 months to 10 years.
• Business Line of Credit Revolving business credit facility providing flexible access to capital for cash flow, inventory, payroll, and unexpected expenses. Draws up to $150,000 potential credit access with reusable capital and fast draw access.
• Merchant Cash Advance Fast capital based on future sales, providing immediate funding for businesses with high transaction volumes.
• Equipment Financing and Leasing Financing solutions for purchasing or leasing business equipment, covering machinery, technology, vehicles, and other capital assets.
• Invoice Factoring Turns unpaid business invoices into immediate capital by selling eligible receivables for faster working capital access.
• Purchase Order Financing Funding that helps businesses pay suppliers to fulfill confirmed customer purchase orders, covering the gap between order placement and payment receipt.
• Accounts Receivable Financing Capital access using outstanding receivables as collateral to support working capital and business operations.
• Revenue Based Financing Funding structured around business revenue performance, with repayment tied to a percentage of ongoing sales.
• SBA Loans Small Business Administration loan products offered through Mulah's partner network for eligible businesses.
• Asset-Based Lending (ABL) Financing supported by business assets such as equipment, inventory, receivables, or other collateral.
• Startup Business Funding Funding solutions designed for newer businesses, including startup business loans for entrepreneurs launching new ventures.
• Bridge Loan Short-term capital to bridge timing gaps between expenses and expected revenue or larger financing.
• Emergency Business Loan Quick-access funding for urgent business capital needs requiring immediate financial response.
• Same-Day Business Funding Expedited business funding with same-day capital availability for qualifying applications completed before 10:30 a.m. ET, Monday through Friday (excluding bank holidays), up to $100,000 in select states.
• Real Estate Financing Property-backed capital for real estate investors, commercial property purchases, renovations, and real estate-related business growth.
• Unsecured Business Loans Business funding without requiring collateral, based on creditworthiness, revenue, and business performance.
• Bad Credit Business Loans Business funding options designed for applicants with credit challenges, considering factors beyond credit score including revenue and business performance.
• Business Loans for Women Specialized funding options for women-owned businesses, supporting female entrepreneurs with access to capital.
• Franchise Business Financing Capital solutions specifically designed for franchise operators, supporting multi-unit rollouts, acquisitions, and franchise expansion.
• Credit Card Processing Payment processing solutions for businesses to accept and manage credit card transactions.
• Credit Repair Services and guidance to help business owners improve their credit profiles for better funding eligibility.
• Partner Programs Network of 30+ partnership programs including CPA, accountant, ISO, funding broker, marketing agency, real estate investor, franchise, and affiliate partner programs enabling third parties to refer business funding clients.

Quantifiable outcome

• 4.9 out of 5 average experience rating from 1,136+ verified business owner reviews
• +4 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Scale indicators11 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• BlueVine: BlueVine is a leading online SMB funding platform offering lines of credit, term loans, and invoice factoring to U.S. small businesses — directly overlapping Mulah's core product set and target buyer (SMB owner seeking fast, non-bank capital). Both compete on speed and digital UX.
• Lendio: Lendio is an SMB loan marketplace that matches applicants to a network of lenders across term loans, lines of credit, MCAs, SBA loans, and equipment financing. Comparable to Mulah's marketplace/aggregator model and SMB target buyer.
• Credibly: Credibly provides working capital, merchant cash advances, and small business loans to SMBs, especially those with shorter operating histories. Named in Mulah's competitor comparison set; comparable on product breadth and credit box (broader / non-prime SMB).
• CAN Capital: CAN Capital is a long-standing online SMB funder offering working capital, term loans, and lines of credit to small businesses. Listed in Mulah's competitor comparison content; very comparable customer profile and product mix.
• Kapitus: Kapitus provides working capital, SBA loans, and equipment financing to SMBs, with both direct and partner/ISO origination. Named in Mulah's competitor comparison content; comparable product breadth and partner-led distribution model.
• Fundbox: Fundbox offers SMBs working capital, lines of credit, and invoice-based advances through a digital, AI-driven underwriting platform. It's a near-direct competitor to Mulah on product (working capital/lines of credit) and target customer (services SMBs and accountants).
• Rapid Finance: Rapid Finance provides government-guaranteed SBA loans, working capital, and equipment financing to SMBs. Named in Mulah's comparison pages; overlaps heavily on term loans, SBA, and SMB equipment financing.
• OnDeck: OnDeck provides short-term working capital loans and lines of credit to small businesses online. It is named explicitly in Mulah's competitor comparison pages and serves the same SMB credit profile with a similar digital, speed-focused application experience.
• National Funding: National Funding offers small business loans, equipment financing, and working capital to SMBs. Listed among Mulah's named competitors; very comparable on SMB term loans and equipment financing.

Broad incumbents

• Newtek Business Services: Newtek is a larger, publicly-listed business services and SMB lending platform offering SBA loans, working capital, and merchant processing. Less digitally-native but addresses the same SMB funding demand and is named in Mulah's competitor comparison pages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/mulahcapital
• YouTubeyoutube.com/@MulahCapital
• Facebookfacebook.com/mulahofficial
• LinkedInlinkedin.com/company/mulahcapital
• Instagraminstagram.com/mulah.co
• Pinterestpinterest.com/mulahofficial

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Mulah