Anchor Funding

What Anchor Funding does

Anchor Funding LLC is a privately-held commercial finance company founded in 2021 and headquartered in San Antonio, Texas, operating as an intermediary that connects small and mid-sized businesses with sources of commercial capital. The company offers 12 distinct financing products spanning commercial real estate loans (conventional, CMBS, hard money, bridge, stated-income, and construction ranging from $100,000 to $100 million or more), SBA-backed 504 and 7a loans, working capital products (merchant cash advances up to $200,000 per branch location and unsecured lines of credit up to $500,000 with introductory rates starting at 0%), accounts receivable factoring, purchase order financing, equipment leasing and sale-leaseback, franchise financing (terms up to 25 years), healthcare financing (medical equipment leasing, working capital, and practice acquisitions), consumer finance programs for B2B partners, and commercial loan modification services for distressed borrowers.

The business model is sales-led with a hybrid distribution architecture: direct outreach to business owners via phone, email, and free no-obligation consultations, augmented by a formal Referral & Broker Program through which independent brokers and referral partners earn commissions on originated transactions, with upfront fee disclosure and prompt payments. Underwriting is positioned as flexible relative to traditional banks—reviewing credit, capital, assets, future sales, and management experience rather than relying solely on conventional criteria—and explicitly serves borrowers rejected elsewhere or needing faster access to capital. Marketing channels include an educational blog, organic presence on Facebook and LinkedIn, and an email newsletter. Core institutional partnerships with the SBA, HUD/FHA, and high net worth capital sources enable origination without holding balance-sheet capital.

Technology is not disclosed; the firm operates with 1-10 employees, consistent with a lean origination-and-distribution intermediary model rather than a balance-sheet lender. No revenue, funding history, ownership structure, management team, awards, patents, or M&A activity is publicly disclosed, and the website copyright dates to 2021 with blog content extending into 2022.

Name

Anchor Funding

Legal name

Anchor Funding LLC

Website

https://anchorfundingllc.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Anchor Funding LLC is a San Antonio-based commercial finance intermediary offering 12 lending products—commercial real estate, SBA, working capital, factoring, equipment, franchise, and healthcare financing—serving SMBs nationwide that lack traditional bank access.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Commercial lending
• Business financing
• Commercial real estate loans
• SBA loans
• Equipment financing

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commercial Real Estate Loans: Interest and fees generated from commercial property loans ranging from $100k to $100M+, including conventional loans, CMBS loans, hard money loans, and government-backed SBA/HUD/FHA loans.
2. Merchant Cash Advances: Advances provided against merchant accounts, repaid from future credit card sales. Revenue generated through fees and percentage of credit card receipts.
3. Unsecured Business Lines of Credit: Credit lines provided without collateral, based on business profitability and credit profile. Revenue from interest rates starting at 0% and associated fees.
4. Accounts Receivable/Factoring: Purchase of invoices at a discount (factoring), providing immediate cash to businesses. Revenue generated through discount fees charged on invoices.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Anchor Funding is a commercial finance company that originates and arranges business loans ranging from $100,000 to $100 million or more. Its portfolio spans commercial real estate financing (conventional, CMBS, hard money, bridge, construction, and stated income loans), SBA-backed loans (504 and 7a), working capital products (merchant cash advances, unsecured lines of credit), equipment financing, franchise financing, healthcare financing, accounts receivable factoring, purchase order financing, and commercial modification services. The company also operates a referral and broker program enabling third-party partners to submit transactions for commission.

Product overview

Anchor Funding is a commercial finance company offering a comprehensive portfolio of business lending solutions. The company provides 12 distinct financing products spanning commercial real estate, working capital, and specialized industry financing. Core offerings include Commercial Real Estate Financing (conventional loans, CMBS, hard money, construction), SBA Loans (504 and 7a programs), Merchant Cash Advances (up to $200,000), Unsecured Business Lines of Credit (up to $500,000), Equipment Financing, Franchise Financing, Healthcare Financing, Accounts Receivable Factoring, Purchase Order Financing, Consumer Finance programs, and Commercial Modification services for distressed borrowers. The company targets startups through established businesses with loan amounts ranging from $100,000 to $100 million or more.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Real Estate Financing Financing for commercial real estate purchases, renovations, refinancing, and new construction. Includes conventional loans, equity and mezzanine funding, CMBS loans, hard money and bridge loans, international loans, and construction financing for businesses and investors.
• Stated Income Commercial Real Estate Loans Loan approval based primarily on the property's income-generating potential rather than borrower credit history. Features low qualifying credit scores, high loan-to-value ratios, and quick funding for time-sensitive opportunities.
• Merchant Cash Advance Funds advanced against merchant account receivables, repaid from future credit card sales. Provides up to $200,000 per branch location with flexible repayment, no collateral requirements, no closing costs, and no application fees.
• Unsecured Business Lines of Credit Credit lines from $50,000 to $500,000 for businesses without requiring collateral. Based on business profitability and credit profile, with introductory rates starting at 0%.
• Consumer Finance Program Program enabling businesses to offer credit card and line of credit programs to their own end customers, providing revolving credit access, simple approval processes, and consistent approval rates.
• Equipment Financing Financing and leasing options for business equipment purchases including prompt approvals, full financing options, and sale-leaseback programs. Available for startups, businesses with poor credit, and government agencies.
• Franchise Financing Financing for franchise acquisitions, equipment purchases, real estate, and refinancing with terms up to 25 years, high loan-to-value ratios, and pre-qualification options.
• Healthcare Financing Comprehensive healthcare financing including medical equipment leasing with up to 50% soft cost coverage, working capital loans up to 72 months, debt consolidation, and practice acquisition financing with 100% financing available.
• Small Business Loans (SBA) SBA-backed loans including 504 and 7a loans for small businesses. Features low interest rates, long repayment terms, flexible working capital, and no prepayment penalties.
• Accounts Receivable (Factoring) Invoice factoring service allowing businesses to sell invoices at a discount for immediate cash. Provides 24-hour funding, free credit insurance on customers, and no personal guarantees.
• Purchase Order Financing Financing and letters of credit for importers, exporters, and domestic producers to fulfill purchase orders. Helps businesses buy presold goods without taking on bank debt or selling equity.
• Commercial Modification Debt restructuring services for distressed commercial real estate borrowers facing maturing loans, foreclosure, or receivership issues. Includes assistance with CMBS loan modifications.

Quantifiable outcome

• Merchant cash advances available within 7 days upon approval
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Biz2Credit: Biz2Credit operates an SMB lending marketplace offering term loans, lines of credit, SBA loans, and commercial real estate financing. Comparable in serving SMB borrowers across multiple financing products and in its broker/intermediary model.
• National Funding: National Funding offers working capital loans, equipment financing, and SBA loans to SMBs. Comparable in its alternative-lending positioning, broker relationships, and SMB-focused product mix.
• Kapitus: Kapitus provides working capital, SBA loans, equipment financing, and healthcare financing to SMBs. Comparable in its multi-product SMB finance offerings and vertical specialization (especially healthcare), similar to Anchor Funding's healthcare financing line.
• Mulligan Funding: Mulligan Funding is an alternative commercial finance company offering short-term business loans, MCAs, and equipment financing. Comparable in its broker-assisted SMB lending model and flexible underwriting.
• Lendio: Lendio is a SMB lending marketplace connecting borrowers with multiple lenders across term loans, lines of credit, MCA, SBA, and equipment financing. Directly comparable to Anchor Funding's broker-led multi-product model and SMB target segment.
• Fora Financial: Fora Financial is a direct MCA and working capital provider to SMBs, with broker partnerships. Highly comparable to Anchor Funding's MCA stream and its emphasis on bank-reject borrowers.
• Credibly: Credibly provides working capital, MCA, lines of credit, and SBA loans to SMBs that are underserved by banks. Directly comparable to Anchor Funding's MCA and working capital offerings and its bank-reject target segment.
• BlueVine: BlueVine provides SMB financing including lines of credit, invoice factoring, and term loans. Comparable to Anchor Funding's unsecured lines of credit and A/R factoring streams and SMB focus.
• CAN Capital: CAN Capital offers working capital, small business loans, and SBA loans, historically with a strong broker channel. Comparable in its multi-product SMB offering and intermediary distribution model.

Broad incumbents

• Funding Circle: Funding Circle is a larger SMB lending platform offering term loans and lines of credit. Comparable in SMB target market and loan products, though it operates more as a tech-enabled direct lender at greater scale than Anchor Funding.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/anchor-commercial-funding

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 Anchor Funding