Stewards

What Stewards does

Stewards Inc. (OTC: SWRD, formerly FAVO Capital Inc.) is a diversified financial services platform headquartered in South Florida that operates across three integrated segments: a Revenue Finance Engine providing revenue-based financing, merchant cash advances, and structured credit to small and mid-sized U.S. businesses; a Selective Real Assets segment anchored by the $190 million 1818 Park Class-A mixed-use property in Hollywood, Florida; and a Digital Treasury Platform built on blockchain infrastructure in partnership with Dolomite Foundation. The company has syndicated more than $1 billion in capital and supported over 20,000 businesses through its private credit platform since inception, with a 27-year operational history traceable to Glen Steward's founding of Stewards International Limited. Its underlying technology stack combines AI-driven underwriting, portfolio intelligence, and on-chain treasury tools, including a March 2026 deployment of Overnight Engine's workflow-specific AI infrastructure for document intake, financial data extraction, and evidence-backed credit decisioning. Stewards is publicly traded on OTC Markets and is pursuing a Nasdaq Capital Market uplisting, having filed Form S-1 with the SEC and engaged Lucosky Brookman LLP as special counsel. The business model generates revenue through transaction fees on private credit originations, rental income from owned real estate, and emerging digital asset treasury services, with capital sourced from a mix of equity raises, parent-affiliate investment, and institutional capital markets engagement.

Name

Stewards

Legal name

Stewards Investment Capital Ltd

Website

https://stewards.com/

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

Stewards Inc. is a publicly traded diversified financial platform offering private credit and revenue-based financing to U.S. small and mid-sized businesses, income-producing real estate assets, and blockchain-based digital treasury infrastructure, serving more than 20,000 borrowers and pursuing a Nasdaq uplisting.

Ownership category

akta.pro rank

Product category

Private Credit and Alternative Lending

NAICS

Portfolio Management and Investment Advice (523940), Other Financial Vehicles (52599), Open-End Investment Funds (525910)

SIC

Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199), Loan Brokers (6163)

akta.pro primary industry

Treasury & Liquidity Operations (Cash Positioning, Funding, Collateral Ops) (FSABALAH)

akta.pro secondary industries

Collateral Management & Margin Services (FSAFALAF), Structured Finance Legal, Trustee & Administration (FSACACAJ)

Keywords

• Private credit platform
• Revenue-based financing
• Merchant cash advances
• Digital treasury solutions
• AI underwriting technology

Headquarters

HQ city

Lauderhill

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Private Credit / Revenue-Based Financing: Stewards provides revenue-based financing and structured credit solutions to small and mid-sized businesses, generating yield through the purchase of future receipts, merchant cash advances, and asset-backed lending. The company has syndicated over $1 billion in capital and supported businesses through its alternative lending platform.
2. Digital Asset Treasury: Digital treasury operations integrating blockchain infrastructure for liquidity management, stablecoin operations, and tokenized real-world assets to enhance capital efficiency and reduce cost of capital.
3. Real Asset Income: Income-producing real estate investments including the $190 million 1818 Park acquisition generating rental income from residential, office, and retail tenants. Provides stable cash flows that strengthen the balance sheet and support lending operations.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Stewards Inc. operates a diversified financial services platform providing revenue-based financing, merchant cash advances, and structured credit solutions to small and mid-sized businesses across the United States. The platform is anchored by income-producing real estate (including the $190 million 1818 Park mixed-use property), a Digital Treasury Platform integrating blockchain-based on-chain liquidity and tokenized real-world assets, and an AI-driven underwriting infrastructure for credit decisioning and portfolio monitoring.

Product overview

Stewards Inc. operates as a diversified financial platform organized across three integrated segments: (1) the Revenue Finance Engine providing revenue-based financing and private credit solutions to SMBs; (2) Selective Real Assets holding income-producing properties like 1818 Park that anchor the balance sheet; and (3) the Digital Treasury Platform combining blockchain infrastructure with AI analytics for compliant on-chain finance. An AI Underwriting Infrastructure module powers the entire platform with automated credit decisioning and portfolio monitoring. Together these components form a self-reinforcing model where real estate cash flows support capital base, credit operations generate yield, and digital treasury tools enhance liquidity and capital efficiency.

Differentiator

Problem solved

Functional benefit

Products and services

• Revenue Finance Engine Private credit platform providing revenue-based financing, merchant cash advances, lines of credit, and asset-backed loans to small and mid-sized businesses across the United States seeking flexible working capital and growth financing.
• Selective Real Assets Income-producing real estate portfolio anchored by the $190 million 1818 Park Class-A mixed-use property in Hollywood, Florida, providing residential, office, and retail rental cash flows that strengthen the balance sheet and support private credit operations.
• Digital Treasury Platform Blockchain-enabled treasury management infrastructure integrating on-chain liquidity tools, tokenized real-world asset infrastructure, and compliant digital asset operations for real-time settlement, liquidity deployment, and capital efficiency.
• AI Underwriting Infrastructure Proprietary AI and machine learning system enhancing credit decisioning, automating document intake and KYC verification, providing real-time risk scoring, anomaly detection, and portfolio intelligence across the private credit platform (deployed in partnership with Overnight Engine).

Quantifiable outcome

• Over $1 billion in capital syndicated to date
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• DolomitecoreStrategic or Co-development Partner · 20 March 2026Strategic partnership to discuss integration of on-chain financial infrastructure with traditional capital markets. Joint panels at 38th Annual ROTH Conference covering DeFi/TradFi convergence and uplisting strategy.
• Overnight EnginecoreTechnology or Integration · 17 March 2026Partnership to deploy workflow-specific AI infrastructure across private credit underwriting operations. System automates document intake, financial data extraction, underwriting logic execution, and generates evidence-backed outputs for human review. Deployed privately within Stewards to improve over time through company-specific context and reviewer feedback.
• Lucosky Brookman LLPcoreImplementation/ SI/ Consulting Partner · 3 March 2026Engaged as special counsel to support planned Nasdaq Capital Market uplisting. Leading capital markets and securities law firm with principal roles in numerous Nasdaq and NYSE uplistings and public offerings.
• GCF DevelopmentcoreStrategic or Co-development Partner · 13 August 2025Real estate investment firm leading the 1818 Park transaction, becoming long-term equity partners in FAVO/Stewards. Unique structure ensures operational continuity at asset level and aligns stakeholder incentives as company scales investment strategy.

Scale indicators7 records

Recent moves4 records

Expansion highlights7 records

Broad incumbents

• LendingClub: LendingClub operates a digital lending marketplace with bank partnership programs; relevant as a broader incumbent in the online credit space where Stewards plays in SMB financing.
• SoFi Technologies: SoFi is a diversified consumer and small business fintech with lending, credit, and tech-driven underwriting — a broader incumbent operating adjacent to Stewards' diversified financial platform thesis.

Direct peers

• OnDeck (Enova International): Enova's OnDeck provides online small business lending and financing products, directly comparable to Stewards' Revenue Finance Engine offering revenue-based financing and merchant cash advances to SMBs.
• BlueVine: BlueVine offers working capital, lines of credit, and term loans to small businesses, directly overlapping with Stewards' SMB revenue-based financing and structured credit solutions.
• Fundbox: Fundbox provides revenue-based financing and working capital to SMBs, using technology-driven underwriting — closely aligned with Stewards' Revenue Finance Engine and AI-driven underwriting model.
• Upstart: Upstart is an AI lending platform that automates credit decisioning — comparable to Stewards' AI-driven underwriting infrastructure for private credit operations.
• Funding Circle: Funding Circle operates an SMB lending marketplace across the U.S. and U.K., offering structured credit to small businesses — comparable to Stewards' role as intermediary syndicating private credit capital.
• LendingTree: LendingTree operates a loan broker marketplace connecting borrowers with multiple lenders, comparable to Stewards' role as an intermediary syndicating private credit to SMB borrowers.

Emerging players

• Pipe: Pipe pioneered revenue-based financing for SaaS and B2B businesses, a comparable alternative credit model to Stewards' revenue-based financing for SMBs.
• MicroStrategy: MicroStrategy is the most prominent public company pursuing a corporate digital asset treasury strategy, providing a directly comparable model to Stewards' blockchain-based Digital Treasury Platform with tokenized assets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/stewards_usa
• LinkedInlinkedin.com/company/stewards-usa

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds5 records

Investors2 records

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

M&A1 record

Investments

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

Frequently asked questions about Stewards