Phoenix Capital
Phoenix Capital LLC is a New York City-based alternative business financing and merchant services broker that originates merchant cash advances, short-term unsecured business loans, healthcare cash advances, real-estate-secured long-term loans, and partner-referred equipment financing and payment processing for SMBs that cannot access traditional bank credit, with deal sizes up to $1 million funded in 3-5 business days.
- Company typePrivate
- Founded2016
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Phoenix Capital does
Phoenix Capital LLC is a New York City-based alternative business financing and merchant services broker that originates a suite of credit products for small and medium-sized businesses that cannot or do not want to access traditional bank credit. The core product set comprises a Merchant Cash Advance (a revenue-based product sold at a factor rate and repaid via a fixed percentage of daily credit-card batches), Short-Term Unsecured Business Loans (up to 100% of monthly gross sales, repaid via daily or weekly ACH micro-payments), a Healthcare Cash Advance that underwrites against Medicare, Medicaid, and commercial insurance receivables in addition to credit card receipts, and Long-Term Financing Solutions secured by real estate collateral at up to 70% LTV on residential first-lien positions. Equipment financing and merchant services are layered on as referral partnerships with TimePayment and Payprotec respectively rather than built in-house.
The business model is asset-light brokerage economics: Phoenix Capital does not disclose any proprietary technology platform, underwriting engine, or balance-sheet capital deployment. It captures transaction-based fees on the financing products it originates and earns referral fees on partner-fulfilled equipment leasing and payment-processing volume. Go-to-market is concentrated in direct inside-sales (phone 718-569-8791 and website phoenixcapitalllc.biz) targeting NYC SMBs, including bad-credit applicants, with a stated 24-hour pre-approval and 3-5 business-day funding window; the Payprotec partnership explicitly extends merchant-services sales nationally. The firm is privately held, founded in 2016 (per company website and corporate record; firmographics field lists 2006 which conflicts with on-site copyright and timeline data and was not used), operates from 30 Wall Street, 8th Floor, NY 10005, and reports 1-10 employees. Only one financing event is on record — a $400,000 round dated 2025-12-19 with undisclosed investors — which suggests the firm is recapitalizing but remains at sub-scale relative to industry incumbents.
Phoenix Capital firmographics
Firmographics- Name
- Phoenix Capital
- Legal name
- Phoenix Capital LLC
- Website
- https://phoenixcapitalllc.biz
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Phoenix Capital LLC is a New York City-based alternative business financing and merchant services broker that originates merchant cash advances, short-term unsecured business loans, healthcare cash advances, real-estate-secured long-term loans, and partner-referred equipment financing and payment processing for SMBs that cannot access traditional bank credit, with deal sizes up to $1 million funded in 3-5 business days.
- Ownership category
- akta.pro rank
Phoenix Capital industry classification
Industry- Product category
- Alternative Business Financing
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)
Keywords
Where Phoenix Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Phoenix Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Merchant Cash Advance Fees: Phoenix Capital LLC earns fees from merchant cash advances by taking a small fixed percentage of credit card receivables when merchants batch out of their credit card terminal. This is revenue-based and not credit-driven.
- Short-Term Unsecured Business Loans: Fees from short-term unsecured business loans leveraging up to 100% of monthly gross sales, with payback through daily or weekly ACH payments from business checking accounts.
- Healthcare Cash Advance: Revenue generated from healthcare cash advances based on historic volume of insurance receivables and credit card receivables, with repayment through collection of a predetermined fixed percentage of future insurance receivables.
- Long-Term Financing Interest: Interest and fees from longer-term financing solutions secured by real estate collateral, with up to 70% LTV for residential properties in first lien position.
- Equipment Financing Referrals: Referral fees earned as an authorized equipment financing consultant with TimePayment, connecting businesses to equipment financing solutions.
- Merchant Services: Revenue from merchant services as an authorized local and national sales partner of Payprotec, including credit card processing and the Dual Pricing Program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Unsecured & Secured Business Financing up to $1 million |
| Transaction based/ take rate | Pay-as-you-go | Merchant Cash Advance |
| Transaction based/ take rate | Pay-as-you-go | Short-Term Unsecured Business Loans |
| Transaction based/ take rate | Pay-as-you-go | Healthcare Cash Advance |
| Other | Multi-year contract | Long-Term Financing with Real Estate Collateral |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
Phoenix Capital product offering
Product offeringCore offering
Phoenix Capital LLC is a NYC-based Fintech alternative business financing and merchant services solution consultant that brokers working capital solutions for small and medium-sized businesses. The firm arranges merchant cash advances, short-term unsecured business loans, healthcare cash advances, and real estate-backed long-term financing up to $1 million, supplemented by equipment financing (via TimePayment) and merchant services (via Payprotec) partnerships. Its core value is fast approvals (24-hour pre-approval quotes) and quick funding (3-5 business days) for businesses that cannot access traditional bank credit, including those with bad credit.
Product overview
Phoenix Capital offers a suite of alternative business financing and merchant services solutions for small and medium-sized businesses. The core portfolio consists of four main financing products: Merchant Cash Advance (MCA), Short Term Unsecured Business Loans, Healthcare Cash Advance, and Long-Term Financing Solutions with real estate collateral. These are complemented by two partnership-based add-on services: Equipment Financing (offered through TimePayment partnership) and Merchant Services Solutions (offered through Payprotec partnership). The company targets businesses needing working capital with quick funding (3-5 business days), flexible payment options, and accessible qualification criteria including for applicants with bad credit.
Differentiator
Problem solved
Functional benefit
Products and services
- Merchant Cash Advance (MCA) A revenue-based financing product leveraging future credit card receivables, sold at a discounted factor rate. Not classified as a loan; requires no collateral and is unsecured, with repayment through a fixed percentage of daily credit card batch settlements. Designed for businesses that process credit card payments such as restaurants, retailers, bars, cafes, and liquor stores.
- Short-Term Unsecured Business Loans Unsecured business loans leveraging up to 100% of monthly gross sales for working capital. Repaid via daily or weekly ACH micro-payments from the borrower's business checking account. Qualification is based on credit score and bank statement activity; no collateral required. Targeted at small businesses needing fast funding.
- Healthcare Cash Advance A cash advance product for healthcare providers based on the historic volume of insurance receivables (including Medicare and Medicaid) as well as credit card receivables. Repayment occurs through a fixed percentage of future insurance receivables. Targets medical doctors, pharmacies, dentists, specialists, chiropractors, home health care agencies, and other medical-related professions facing delayed insurance reimbursements.
- Long-Term Financing Solutions Real estate-backed longer-term financing for established businesses, with collateral accepted across residential, commercial, industrial properties, parking lots, gas stations, co-ops, mixed-use properties, and farms. Offers up to 70% LTV for residential properties in first lien position; other property types and junior liens are capped below 65% CLTV. Final disbursement is approximately 15% less than the loan amount for interest and fees.
- Equipment Financing 100% equipment financing offered through Phoenix Capital's authorized partnership with TimePayment. Provides lease financing for equipment, furniture, and software with affordable monthly payments, serving well-qualified equipment buyers in auto repair, construction, medical/dental, landscaping, and other industries.
- Merchant Services Solutions Credit card processing services offered through Phoenix Capital's authorized partnership with Payprotec. Features EMV-compliant equipment, a Dual Pricing Program that can eliminate up to 99% of credit card processing fees, seamless POS integration, 24/7 support, and next-day funding availability for merchants.
Quantifiable outcome
- Funding up to $1 million per transaction
- +3 more outcomes
Companies that use Phoenix Capital
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Phoenix Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Phoenix Capital partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- TimePaymentcorePhoenix Capital LLC is an Authorized Equipment Financing Consultant with TimePayment. This partnership enables Phoenix Capital to offer 100% financing for equipment purchases to well-qualified businesses across various industries including auto repair, construction, medical/dental, landscaping, and more. Phoenix Capital earns referral fees by connecting customers to TimePayment's equipment leasing solutions.
- PayproteccorePhoenix Capital LLC is an Authorized Local & National Sales Partner of Payprotec for merchant services. Through this partnership, Phoenix Capital offers credit card processing services with a Dual Pricing Program that can eliminate up to 99% of credit card processing fees. The partnership provides EMV-compliant equipment, seamless POS integration, 24/7 support, and next-day funding capabilities.
Scale indicators1 record
Recent moves5 records
Expansion highlights5 records
Phoenix Capital competitors and assessment
Company assessmentDirect peers
- Forward Financing: Revenue-based financing provider for SMBs using future receivables, matching Phoenix Capital's MCA mechanic and short-term, ACH-based repayment approach.
- Fora Financial: NYC-based provider of MCAs and short-term working capital to SMBs, including bad-credit applicants. Same revenue-based, factor-rate model; closest direct peer to Phoenix Capital's core offering.
- Rapid Finance: Alternative SMB working capital provider offering MCAs and small business loans with rapid approval, frequently compared in NYC and mid-Atlantic markets for similar revenue-based repayment structures.
- Crest Capital: Alternative SMB financing provider offering working capital, equipment leasing, and merchant services with a similar inside-sales/ISO distribution model and broad product menu.
- Kapitus: Provider of working capital, MCA, small business loans and healthcare financing. Direct overlap on product mix and on the healthcare receivables sub-vertical where Phoenix Capital operates.
- Everest Business Funding: Direct MCA and short-term business loan provider targeting underserved SMBs with fast funding. Operates an ISO/broker-style distribution similar to Phoenix Capital's direct-and-partner model.
- National Funding: Alternative SMB lender offering working capital, equipment financing and merchant services through an ISO-style direct sales motion, similar in channel and customer profile to Phoenix Capital.
Broad incumbents
- Fundbox: Tech-enabled SMB working capital provider. Competes for the same small business working capital demand from a digital-first position versus Phoenix Capital's phone-led ISO model.
- BlueVine: Well-capitalized fintech offering lines of credit and working capital to SMBs. Represents the technology- and balance-sheet-anchored competitor that pressures high-touch brokerage models.
Emerging players
- Biz2Credit: SMB financing marketplace and direct lender working through partners to deliver working capital and term loans. Comparable go-to-market (ISO-led inside sales) and SMB client base.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Phoenix Capital social profiles
Digital presencePhoenix Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Phoenix Capital leadership team
Management profileNumber of profiles
Phoenix Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Phoenix 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 Phoenix Capital
What does Phoenix Capital do?
Phoenix Capital LLC is a NYC-based Fintech alternative business financing and merchant services solution consultant that brokers working capital solutions for small and medium-sized businesses. The firm arranges merchant cash advances, short-term unsecured business loans, healthcare cash advances, and real estate-backed long-term financing up to $1 million, supplemented by equipment financing (via TimePayment) and merchant services (via Payprotec) partnerships. Its core value is fast approvals (24-hour pre-approval quotes) and quick funding (3-5 business days) for businesses that cannot access traditional bank credit, including those with bad credit.
Is Phoenix Capital a public or private company?
Phoenix Capital is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Phoenix Capital founded?
Phoenix Capital was founded in 2016. It employs 1 to 10 people.
Where is Phoenix Capital based?
Phoenix Capital is headquartered in New York, United States, in the North America region.
How does Phoenix Capital make money?
Six revenue lines are on record. Merchant Cash Advance Fees are the primary driver. The others are short-Term Unsecured Business Loans, healthcare Cash Advance, long-Term Financing Interest, equipment Financing Referrals and merchant Services.
Who are Phoenix Capital's main competitors?
Direct peers on record are Forward Financing, Fora Financial, Rapid Finance, Crest Capital, Kapitus, Everest Business Funding and National Funding. Broad incumbents are Fundbox and BlueVine. Biz2Credit is listed as an emerging player.
Does Phoenix Capital have an API?
No public API is recorded for Phoenix Capital.
What industry is Phoenix Capital in?
Phoenix Capital's product category is Alternative Business Financing. Its primary akta.pro industry code is FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables), with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 52222 and its SIC code is 6153.