Allied Financial Corporation

What Allied Financial Corporation does

Allied Financial Corporation is a privately held asset-based lender founded in 2003 in Atlanta, Georgia, that provides working capital lines of credit secured by accounts receivable to small-to-medium B2B businesses. The company extends revolving credit facilities typically ranging from $25,000 to $2,000,000 (with some loans up to $3,000,000) and is differentiated by its willingness to underwrite borrowers turned down by traditional banks — including startups, companies in Chapter 11, those with poor credit, and undercapitalized firms. Its core technology is a borrowing base platform that applies a proprietary cross-aging rule (33%/90 days) to determine advance rates on outstanding receivables, complemented by program variants for borrowing-base aggregation and specific-invoice flexibility.

The company's business model is interest-and-fee based, with revenue accruing only when credit lines are drawn — no origination fees, audit fees, credit committee fees, or reserves are charged. Distribution is sales-led and relationship-driven, delivered through direct engagement at two physical offices (Atlanta headquarters and a Delaware Valley branch in Turnersville, NJ serving the Mid-Atlantic) and a banker referral network that channels bank-declined borrowers to Allied. The marketing function relies on content (blog, monthly newsletter, press releases, social) rather than digital self-serve origination. Allied's leadership — most notably CEO Steven Gold, who holds over 20 years of commercial finance experience and multiple CFA leadership roles — is the primary driver of deal flow in a market where relationship and underwriting judgment are the dominant competitive levers.

Name

Allied Financial Corporation

Legal name

Allied Financial Corporation

Website

https://alliedfinancialcorp.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Allied Financial Corporation is a privately held asset-based lender providing working capital lines of credit ($25K–$2M) secured by accounts receivable to small-to-medium B2B businesses turned down by traditional banks, operating from Atlanta and the Delaware Valley region.

Ownership category

akta.pro rank

Product category

Commercial Lending

NAICS

Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Asset-Based Lending (ABL) (FSANADAD)

akta.pro secondary industry

Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• Accounts receivable financing
• Working capital lending
• Asset-based lending
• Small business financing
• Invoice financing

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Working Capital Lines of Credit - Interest and Fees: Allied Financial generates revenue through interest and fees on working capital lines of credit secured by accounts receivable. Clients borrow against invoices only when needed, with interest and fees accruing only when credit is drawn. No reserves are held.
2. Asset-Based Lending: Custom asset-based lending solutions where clients maintain ownership of their invoices and borrow against them as collateral. Provides flexibility without the discreetness issues of factoring.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Allied Financial Corporation provides accounts receivable financing and working capital lines of credit ranging from $25,000 to $2,000,000 to small-to-medium B2B businesses. The company uses outstanding customer invoices as collateral, allowing clients to maintain ownership of their receivables while accessing revolving capital. It also offers borrowing base financing, a flexible specific invoice program, and express funding approval with verbal proposals provided at first meetings.

Product overview

Allied Financial Corporation offers a unified accounts receivable financing platform with multiple lending programs. The core product is accounts receivable financing that enables businesses to borrow against their outstanding invoices while maintaining ownership. The portfolio includes Working Capital Lines of Credit ($25,000-$2,000,000) as the primary offering, supplemented by Borrowing Base Financing for borrowers with multiple smaller receivables, and the Flexible Specific Invoice Program for those preferring invoice-by-invoice flexibility. The Express Funding Approval module provides rapid decision-making, delivering verbal proposals at first meetings. Together, these products serve small-to-medium B2B companies facing cash flow challenges, offering an alternative to traditional bank financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Working Capital Lines of Credit Revolving credit facilities that provide small-to-medium B2B businesses with flexible access to capital for daily operations, payroll, and growth opportunities, using accounts receivable as collateral.
• Accounts Receivable Financing A financing solution that uses a business's outstanding customer invoices as collateral to secure working capital lines of credit, allowing companies to maintain ownership of their receivables while accessing funds.
• Borrowing Base Financing A program where Allied Financial advances funds based on the total value of all eligible accounts receivable, grouping assets together to form a larger borrowing base for regular users.
• Flexible Specific Invoice Program An invoice-based financing option allowing clients to select specific invoices and choose when to borrow against them, providing full freedom to access proceeds anytime with maximum flexibility.
• Express Funding Approval A streamlined application process offering verbal funding proposals during the first meeting, enabling quick turnaround for qualifying businesses seeking working capital through only 6 required application documents.

Quantifiable outcome

• Verbal proposal provided at first meeting with funding typically within 10 days
• +2 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Commercial Finance Association (CFA)coreOthersSteven Gold, CEO and Co-Founder, has served on the CFA Executive Committee since 2005 and Board of Directors since 2004. He served as President of the CFA Atlanta Chapter for nearly 3 years and remains the longest tenured Board Member. He has chaired the Chapter Leaders Committee for multiple years and led the 2016 CFA Annual Convention as Committee Chair. The company maintains active leadership presence in this premier industry association.
• Georgia Bankers AssociationminorOthersSteven Gold is an active member of the Georgia Bankers Association, contributing to industry relationships and referral networks.
• Turnaround Management AssociationminorOthersSteven Gold is an active member of the Turnaround Management Association, supporting distressed company turnaround situations where Allied Financial can provide financing solutions.
• Banker Referral PartnerscoreChannel Partner/ Reseller/ DistributorBanks refer clients who don't qualify for traditional financing to Allied Financial. This referral network is a primary channel for customer acquisition, with bankers maintaining banking relationships while Allied provides the working capital solution.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Crest Capital: Crest Capital provides equipment financing and working capital solutions to SMBs, including receivables-backed lines — overlapping with Allied in the working capital niche, though with stronger weighting toward equipment financing.
• Rapid Finance: Rapid Finance provides working capital advances, lines of credit, and SBA loans to SMBs using receivables and cash flow — directly comparable to Allied's working capital lines, with overlap in serving bank-declined and growth-stage borrowers.
• Triumph Business Capital: Triumph Business Capital offers factoring, ABL, and working capital solutions to SMBs across transportation, staffing, and commercial industries — a direct competitor to Allied with a comparable receivables-driven product suite.
• Porter Capital: Porter Capital is a Birmingham-based direct ABL and invoice factoring lender serving SMBs across the U.S. Southeast — a regional, relationship-led competitor to Allied with a similar product mix of working capital lines and specific invoice programs.
• Fundbox: Fundbox extends short-term working capital advances tied to outstanding invoices and receivables for SMBs, directly overlapping with Allied's accounts receivable financing product but targeting a more automated, lower-ticket borrower.
• Riviera Finance: Riviera Finance provides invoice factoring and accounts receivable financing to SMBs across the U.S. and Canada — a closely comparable receivables-based working capital lender to Allied with a similar relationship-led, mid-ticket client focus.
• TAB Bank: TAB Bank provides asset-based lending, accounts receivable financing, and working capital lines of credit to SMBs nationwide — directly comparable product set to Allied, though TAB operates as a chartered industrial bank with broader geographic reach.
• BlueVine: BlueVine provides online invoice factoring and lines of credit to SMBs using accounts receivable as collateral — a directly comparable product offering to Allied's working capital lines of credit, though delivered through a fully digital, fintech-led channel.

Broad incumbents

• eCapital: eCapital is a larger, multi-product alternative finance platform offering factoring, ABL, and supply chain finance to SMBs and mid-market companies — overlapping with Allied's core ABL product but as part of a much broader financial services portfolio.

Emerging players

• Fundation: Fundation provides online working capital lines of credit and term loans to SMBs — overlapping with Allied's product set but serving a more standardized, technology-led segment of the bank-declined borrower market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/allied-financial-corporation

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Allied Financial Corporation