PJP Capital
PJP Capital, LLC is a Florida-based financial services firm founded in 2009 that provides direct lending (construction, SBA, small business, MCA, lines of credit), venture capital, and private equity services to US-based small and mid-sized businesses, with over $5 billion in claimed accumulated transactions.
- Company typePrivate
- Founded2009
- HeadquartersJupiter, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What PJP Capital does
PJP Capital, LLC is a privately held Florida-based financial services firm founded in 2009 that delivers a broad portfolio of capital solutions to small and mid-sized US businesses. Its product suite spans direct lending products — construction loans ranging from $1 million to $50 million+, SBA 7(a) loans up to $5 million and SBA 504 loans up to $10 million, small business term loans up to $500,000, merchant cash advances collateralized against future credit card sales, and business lines of credit ranging from $5,000 to $100,000 — as well as capital markets introduction services for private offerings and IPOs. The firm also operates two internal investment divisions: The Ampe Fund, a venture capital vehicle that partners with management teams, and Emerald Asset Management, a private equity and advisory division managing equity, debt, and real asset positions in publicly accessible companies. The company has accumulated transactions exceeding $5 billion across these divisions since founding, though this figure represents transaction throughput rather than revenue or capital under management.
The firm operates a relationship-based, sales-led go-to-market. Distribution is anchored by a virtual application portal on pjpcapital.com that captures borrower financials (revenue, EBITDA, employees, funding needs), supplemented by a dedicated phone line ((800) 593-5403) and email channels. Loans are originated either directly by PJP Capital or through SBA programs, and depending on state and loan attributes, may be issued by partner State-Chartered Industrial Banks (FDIC members). Pricing mechanics vary by product: fixed or variable rates with multi-year terms on construction and SBA loans, transaction-based repayment tied to sales volume on merchant cash advances, and usage-based interest accrual on lines of credit. Revenue is generated through interest income, origination and transaction fees, advisory or success-based fees on capital introductions, and equity returns on the venture and private equity portfolios.
The firm is highly lean — headcount is listed at 1–10 — and is not a registered broker dealer, investment adviser, investment manager, or industrial bank. Geographic coverage is US-domestic with an exclusion for Vermont, though the About page references serving companies "worldwide" without further detail. No management team, ownership structure, revenue figures, social media presence, or external institutional backing are disclosed, which materially limits transparency for an investment audience.
PJP Capital firmographics
Firmographics- Name
- PJP Capital
- Legal name
- PJP Capital, LLC
- Website
- https://pjpcapital.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- PJP Capital, LLC is a Florida-based financial services firm founded in 2009 that provides direct lending (construction, SBA, small business, MCA, lines of credit), venture capital, and private equity services to US-based small and mid-sized businesses, with over $5 billion in claimed accumulated transactions.
- Ownership category
- akta.pro rank
PJP Capital industry classification
Industry- Product category
- Commercial Lending & Capital Markets
- NAICS
- Other Financial Vehicles (525990), Portfolio Management and Investment Advice (52394)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Term Loans & Growth Capital (FSAKAGAB)
- akta.pro secondary industries
- Infrastructure & Project Finance Private Debt (FSANADAH), Project Finance Capital Raising Intermediation (FSAEALAJ)
Keywords
Where PJP Capital is headquartered
LocationHeadquarters
- HQ city
- Jupiter
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
PJP Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Others
Revenue model
- Construction Loans: PJP Capital provides construction loans ranging from $1mm to $50mm+ with terms including fixed rates, 30-year term rates available, up to 85% Loan to Value, and prepayment options. Revenue generated through interest and origination fees on construction and real estate financing.
- Small Business Loans: Fixed term loans up to $500,000 with 3-36 month terms and rates as low as 10%. Revenue generated through interest payments and origination fees on small business financing.
- Merchant Cash Advances: Loans using future credit card sales as collateral. Repayment is made through automated fixed percentage of future sales until balance is paid in full. Revenue generated through interest on advances against future receivables.
- Business Lines of Credit: Credit lines ranging from $5,000 to $100,000 with rates as low as 14%. Draw funds as needed and pay interest only on amount used. Revenue from interest accrual on drawn amounts and transaction fees.
- SBA Term Loans: SBA 7(a) loans from $350,000 up to $5MM and SBA 504 loans up to $10MM for real estate, equipment, and working capital. Government-backed loans with favorable rates and up to 25-year terms. Revenue through interest and fees on government-guaranteed loans.
- Introduction Services: Capital markets advisory services including introductions to investment banking teams, assistance with private offerings and IPOs. Revenue may be generated through advisory fees or success-based compensation for capital raises.
- The Ampe Fund (Venture Capital): Venture fund investments providing working capital, source capital, and intellectual capital to management teams. Revenue generated through equity returns and investment gains on portfolio companies.
- Emerald Asset Management (Private Equity): Investment portfolio consisting of equity and debt of publicly accessible companies, plus real assets for long-term fundamental growth. Revenue from investment returns, interest payments, and capital appreciation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Construction Loans: $1mm-$50mm+ with up to 85% LTV |
| Subscription | Monthly | Small Business Loans: Up to $500,000, 3-36 months, rates from 10% |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advances: Based on future credit card sales |
| Usage-based | Pay-as-you-go | Business Lines of Credit: $5,000-$100,000, rates from 14% |
| Other | Multi-year contract | SBA 7(a): $350,000-$5MM, up to 25 years; SBA 504: up to $10MM |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
PJP Capital product offering
Product offeringCore offering
PJP Capital is a financial services firm that provides business lending solutions including construction loans ($1mm-$50mm+), small business loans (up to $500K), SBA 7(a) and 504 loans, merchant cash advances, and business lines of credit ($5K-$100K). The firm also operates two divisions—The Ampe Fund (venture capital) and Emerald Asset Management (private equity and advisory)—and offers introduction services connecting clients to capital markets and investment banking teams.
Product overview
PJP Capital is a financial services firm founded in 2009 offering a comprehensive suite of capital solutions. The core product portfolio spans lending products including Construction Loans, Small Business Loans, Merchant Cash Advances, Business Lines of Credit, SBA Term Loans (both 7(a) and 504 programs), and Introduction Services for capital markets activities. The company operates through two principal divisions: The Ampe Fund (venture capital investments) and Emerald Asset Management (private equity and advisory services). With over $5 billion in accumulated transactions, the firm delivers working capital, investment capital, and intellectual capital to companies seeking growth financing.
Differentiator
Problem solved
Functional benefit
Brands
- The Ampe Fund: Venture capital fund that partners with and invests in management teams and businesses, providing working capital, source capital, and intellectual capital through portfolio management and implementation.
- Emerald Asset Management
Products and services
- Construction Loans
Companies that use PJP Capital
Customer profileSegments4 records
Ideal customer profiles4 records
PJP Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
PJP Capital partnerships and signals
Strategic signalScale indicators2 records
Recent moves5 records
Expansion highlights3 records
PJP Capital competitors and assessment
Company assessmentDirect peers
- Fora Financial: Fora Financial provides merchant cash advances and small business funding, directly comparable to PJP's MCA revenue stream and the SMB segment it serves.
- Guidant Financial: Guidant Financial specializes in SBA 7(a) and 504 loan origination along with small business retirement funding, making it a direct comparable on the SBA 7(a)/504 origination side of PJP's business.
- CAN Capital: CAN Capital has historically focused on small business working capital, term loans, and merchant cash advances via direct and broker channels — overlapping PJP's MCA, line of credit, and small business loan products.
- Credibly: Credibly offers small business working capital loans, lines of credit, and merchant cash advances to SMBs — comparable to PJP across multiple product lines and customer profile.
- SmartBiz: SmartBiz is an SBA 7(a) loan origination and broker platform targeting small businesses, with bank partnerships that fund the loans. Highly comparable to PJP's SBA 7(a) and 504 origination flow and the $350K-$10MM ticket range.
- Lendio: Lendio operates a small business loan marketplace that aggregates SBA loans, term loans, lines of credit, and MCAs from a network of lenders — the closest direct analog to PJP's multi-product origination and broker model.
- Fundbox: Fundbox provides small business working capital lines of credit and short-term financing. Comparable to PJP's business lines of credit ($5K-$100K) and short-term small business loans targeting SMB cash flow needs.
- BlueVine: BlueVine provides small business banking, lines of credit, SBA loans, and invoice factoring — overlapping PJP's lines of credit and SBA 7(a) products and serving the same SMB segment.
- National Funding: National Funding provides small business loans, equipment financing, merchant cash advances, and lines of credit. Its product breadth across MCA, LOC, and term loans closely mirrors PJP's SMB lending stack.
- Forward Financing: Forward Financing provides revenue-based financing and small business working capital loans, overlapping PJP's short-term small business loan and working capital offerings for SMBs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
PJP Capital social profiles
Digital presencePJP Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
PJP Capital leadership team
Management profileNumber of profiles
PJP Capital subsidiaries and ownership
Company hierarchySubsidiaries2 records
PJP Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PJP 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 PJP Capital
What does PJP Capital do?
PJP Capital is a financial services firm that provides business lending solutions including construction loans ($1mm-$50mm+), small business loans (up to $500K), SBA 7(a) and 504 loans, merchant cash advances, and business lines of credit ($5K-$100K). The firm also operates two divisions—The Ampe Fund (venture capital) and Emerald Asset Management (private equity and advisory)—and offers introduction services connecting clients to capital markets and investment banking teams.
Is PJP Capital a public or private company?
PJP Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was PJP Capital founded?
PJP Capital was founded in 2009. It employs 1 to 10 people.
Where is PJP Capital based?
PJP Capital is headquartered in Jupiter, United States, in the North America region.
How does PJP Capital make money?
Eight revenue lines are on record. Construction Loans are the primary driver. The others are small Business Loans, merchant Cash Advances, business Lines of Credit, SBA Term Loans, introduction Services, the Ampe Fund (Venture Capital) and emerald Asset Management (Private Equity).
Who are PJP Capital's main competitors?
Direct peers on record are Fora Financial, Guidant Financial, CAN Capital, Credibly, SmartBiz, Lendio, Fundbox, BlueVine, National Funding and Forward Financing.
Does PJP Capital have an API?
No public API is recorded for PJP Capital.
What industry is PJP Capital in?
PJP Capital's product category is Commercial Lending & Capital Markets. Its primary akta.pro industry code is FSAKAGAB, SME Term Loans & Growth Capital, with a secondary code of FSANADAH, Infrastructure & Project Finance Private Debt. Its NAICS code is 525990 and its SIC code is 6163.