Continental Finance Capital

What Continental Finance Capital does

Continental Finance Capital Corporation is a privately held, nationwide commercial and government-backed lender headquartered at 7 Purves Street, Unit 30, East Longmeadow, Massachusetts. Founded in 2017 by Joel Soforenko, the firm originates SBA 7(a), SBA 504, and USDA rural loans alongside a broad conventional and alternative commercial book spanning DSCR residential and commercial, FNMA/Freddie Mac multifamily (up to $50M), bridge loans, residential construction, fix/flip, factoring and A/R financing, and collateralized or uncollateralized business loans. Its customer base is small and medium-sized businesses, real estate investors, and commercial property owners seeking purchase, refinance, expansion, working capital, and acquisition financing across all 50 U.S. states.

The company operates as a direct originator with a consultative sales motion: borrowers apply online via Podio webforms or by phone, and applications are underwritten and packaged in-house by a small team led by a processing department head. Technology is conventional lending software with no proprietary platform, API, SDK, or AI-driven underwriting disclosed. Distribution combines direct inbound from the company's SEO-oriented blog and learning center with a low-friction broker referral channel that compensates third parties for closed loans without requiring broker credit checks or background checks.

Revenue is generated through loan origination fees and points (0-5% depending on program), plus interest spread on funded SBA and conventional loans, with pricing varying materially by program, borrower qualification, and collateral. Pricing is not publicly disclosed; quotes are transaction-based per deal. The firm remains founder-owned without disclosed institutional funding rounds, subsidiaries, or M&A activity, and competes on SBA expertise, nationwide reach, and the ability to structure transactions for borrowers with credit or documentation challenges rather than on technology differentiation.

Name

Continental Finance Capital

Legal name

Continental Finance Capital Corporation

Website

https://continental.finance

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

101–250 employees

Short description

Continental Finance Capital Corporation is a privately held, nationwide U.S. lender founded in 2017 that originates SBA, USDA, DSCR, bridge, multifamily, and alternative business loans for small and medium-sized businesses, real estate investors, and commercial property owners across all 50 states.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), Private Credit / Direct Lending (FSAAAHAG), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• SBA lending services
• Commercial loan origination
• Business financing solutions
• Real estate investment loans
• USDA rural lending

Headquarters

HQ city

Longmeadow

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, Infrastructure, Others

Revenue model

1. Loan Origination Fees: The company earns origination fees on loans funded, including points and processing fees. Loan points range from 0.00% to 5.00% depending on loan program.
2. Interest Income: Earns interest spread on SBA and conventional loans funded. Interest rates vary by program: SBA 7(a) at Prime + 2.75%, Bridge loans at 8.0%-15.0%, DSCR loans market-driven.
3. Broker Referral Compensation: Compensates referring brokers who refer business to Continental Finance Capital. Brokers receive referral fees for successful loan closings.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Continental Finance Capital Corporation is a nationwide direct lender that originates SBA 7(a), SBA 504, USDA, DSCR, bridge, FNMA/Freddie Mac, multi-family, residential construction, fix/flip, and conventional commercial loans, as well as factoring/A/R financing and secured and unsecured business loans for small and mid-sized businesses, real estate investors, and commercial property owners. The company guides borrowers through loan selection and underwriting on a consultative basis, funding loans from $25,000 to $50 million across all 50 U.S. states.

Product overview

Continental Finance Capital Corporation is a nationwide lending company headquartered in Boston, MA, offering a comprehensive portfolio of loan programs. The company provides SBA 7(a) and SBA 504 loans, USDA rural financing, DSCR residential and commercial loans, residential fix/flip and construction loans, multi-family financing, FNMA/Freddie Mac programs, bridge loans, commercial full documentation loans, factoring/A/R financing, and business loans with or without collateral. The product lineup centers on SBA lending as a primary focus, complemented by conventional commercial lending, residential investment financing, and alternative business financing solutions like factoring. The company operates as a broker/originator, connecting borrowers with appropriate lending programs and managing the loan process from application through closing.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 7(a) Loan Program The most common SBA loan program, with eligibility based on the business and its principals rather than solely on credit score. Funds can be used for any business purpose not specifically prohibited by SBA regulations, including start-ups, purchases, expansions, working capital, equipment, renovation, and construction. Loan amounts range from $350,000 to $5,000,000, with terms up to 25 years when real estate is involved. Personal guarantees are always required.
• SBA 504 Loan Program Three-component loan program (Borrower, SBA Lender, Certified Development Corporation) for purchasing or refinancing real estate, including renovation and ground-up construction, and for purchasing equipment with a long depreciable life. Loan amounts up to $22,000,000, with 25-year amortization. Personal guarantees required and prepayment penalties apply.
• USDA Loan Program USDA rural business financing program providing guarantees to lenders for rural businesses and properties, intended to create and maintain employment and improve the economic climate in rural communities. Loan amounts from $250,000 to $15,000,000, with adjustable (Prime + 2.75) or fixed (6.25%–7.5%) pricing and CLTV up to 80%.
• DSCR 1-4 Units Residential Loan Program Long-term DSCR-based financing for 1–4 unit residential investment properties that do not qualify for full documentation loans, including residential investment properties, mixed-use properties with residential exceeding 50%, and parcels with multiple houses.
• DSCR 5-20+ Units Residential Loan Program Financing for 5–20+ unit residential structures including mixed-use properties with residential exceeding 51% of tenants. Offers amortizations up to 30 years or interest-only up to 3 years.
• DSCR Commercial Loan Program Commercial property DSCR financing with 30-year term and amortization, loan amounts from $250,000 to $25 million, and CLTV up to 90% on a case-by-case basis.
• Residential Fix/Flip Loan Program Short-term financing for residential properties including mixed-use, apartment complexes, and parcels with multiple structures. Supports fix/flip and fix/hold strategies with LTV up to 90% for purchase and 100% for rehab costs.
• Multi-Family Full Documentation Loan Program Full documentation loans for multi-family properties offering the best rates and terms available from banks or FNMA/Freddie Mac. Includes 5 and 10-year terms with 30-year amortization and LTV up to 80% for purchases.
• FNMA/Freddie Mac Loan Program Government-sponsored enterprise financing for multi-family properties including apartments, affordable housing, senior housing, student housing, and mobile home parks. Loan amounts from $1 million to $50 million with non-recourse options and 30-year amortization.
• Bridge Loan Program Flexible short-term financing for real estate projects not yet ready for permanent lending. Enables owners to reposition and stabilize properties with loan amounts from $250,000 to $20 million+, 6–24 month terms, interest-only payments, and pricing of 8.0%–15.0% with 2.0%–5.0% loan points.
• Commercial Full Documentation Loan Program Conventional commercial mortgages from traditional lenders secured by first lien position on commercial properties including multi-family, office, retail, warehouse, and industrial real estate.
• Residential Construction Loan Program Construction financing for 1–4 unit and 5–20+ unit housing with loan amounts from $150,000 to $5 million. Supports ground-up construction with LTC up to 100% and LTV up to 90%. Interest rates 7.0%–11.99% with 2.00%–5.00% loan points and 12–24 month terms.
• Factoring & A/R Financing Invoice factoring service using accounts receivable as collateral. Can fund $5,000 to $2.5 million monthly with cash available within 48 hours, allowing credit lines to grow with sales cycles.
• Business Loans With Collateral Collateral-backed business financing options including factoring, inventory loans (30–50% LTV), purchase order loans, equipment purchase/refinance (70% LTV), equipment sale-lease back (100% LTV), and equipment leasing. Loan amounts from $25,000+ with 10–20 business day close.
• Business Loans Without Collateral Unsecured business financing with daily, weekly, or monthly payment options. Loan amounts from $25,000 to $5 million with lite or full documentation underwriting. Daily payment factor 1.25–1.95 and monthly payment factor 1.15–1.55 over 6–24 month terms.

Quantifiable outcome

• Loans can close in 3 days (business loans) to 45-60 days (FNMA/Freddie Mac) depending on loan program

Named customers15 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Referring BrokerscoreChannel Partner/ Reseller/ DistributorBroker referral program where brokers refer business borrowers to Continental Finance Capital. Brokers receive compensation for successful referrals. No credit requirements or background checks required for brokers, though they must verify if their state requires licensing.

Scale indicators1 record

Recent moves2 records

Expansion highlights4 records

Emerging players

• BlueVine: BlueVine is a fintech lender offering lines of credit, term loans, and invoice factoring to small businesses — competing for the same SMB working capital borrower that Continental's factoring and uncollateralized products target.
• Fora Financial: Fora Financial provides short-term working capital loans to small businesses ($5K–$1.4M) without collateral — a partial overlap with Continental's uncollateralized business loan product.

Direct peers

• Stearns Bank: Stearns Bank runs a major SBA lending division (acquired South End Capital) and competes head-to-head with Continental for SBA 7(a) and 504 business borrowers nationwide.
• Lendio: Lendio operates an SBA and small-business loan marketplace connecting borrowers with 75+ lenders. It is a direct alternative-channel competitor and partner candidate for Continental's broker referral program.
• Live Oak Bancshares: Live Oak Bank is the largest pure-play SBA lender in the U.S., originating SBA 7(a) and 504 loans plus USDA loans. Continental competes directly for the same SBA-preferred borrower segment with overlapping products.
• NewtekOne (Newtek Business Services): NewtekOne is a publicly traded non-bank lender offering SBA 7(a) loans, business financing, and factoring — directly comparable to Continental's SBA and business loan programs.
• Celtic Bank: Celtic Bank is a top-10 SBA 7(a) lender with national SBA, USDA, and commercial loan programs. Direct competitor to Continental in SBA and government-backed small-business lending.
• Pursuit Financial Partners: Pursuit (formerly Equify Financial, formerly CalCap) is a non-bank SBA 7(a) and 504 lender with a broker-driven origination model — closely analogous to Continental's sales motion.
• SmartBiz Loans: SmartBiz is an SBA-focused fintech lender offering SBA 7(a) loans to small businesses via a digital platform and bank partner network. Competes with Continental on SBA 7(a) deal flow and digital borrower experience.

Broad incumbents

• Byline Bank: Byline Bank operates a large commercial banking franchise with a focused SBA lending division. Overlaps with Continental on SBA 7(a) and 504 but is a much broader full-service commercial bank.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/continentalloan
• Facebookfacebook.com/SBAWizard
• LinkedInlinkedin.com/company/continental-finance-co

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Continental Finance Capital