Onesto Capital Group, Llc

What Onesto Capital Group, Llc does

Onesto Capital Group, LLC is a US-based business financing brokerage founded in 2025 by Nicholas Savino and Andrew Manzo, both formerly in private wealth management. The company operates from Ridgewood, New Jersey, and connects small and midsize businesses with capital providers through a single application. Its product portfolio spans nine categories: SBA Loans, Term Loans, Revenue-Based Financing, Inventory/Purchase Order Financing, Equipment Financing, Commercial Real Estate Loans, Debt Consolidation, Business Lines of Credit, and Mergers & Acquisitions advisory/financing.

The business model is commission-based brokerage: Onesto Capital does not charge borrowers directly and instead earns referral fees or commissions from its network of partner lenders, banks, and investment firms. There is no proprietary technology platform; operations rely on a website application portal, business finance advisors who contact applicants within 24 hours, and a referral program. The target customer is a small business that may not qualify for traditional bank financing, with stated minimums of four months in operation, $5,000 in monthly revenue, and a credit score of 500.

Go-to-market is sales-led and direct, leveraging digital content marketing, email list capture, and organic social on LinkedIn and Instagram. The company positions itself on transparency ("Onesto" means "honest" in Italian) and an advisory-first approach, differentiating through founder background in private wealth management rather than through technology or underwriting IP. No external funding, revenue figures, or institutional ownership are disclosed.

Name

Onesto Capital Group, Llc

Legal name

Onesto Capital Group, LLC

Website

https://onestocapitalgroup.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Onesto Capital Group is a US business financing broker that connects small businesses with lenders across SBA loans, term loans, equipment financing, lines of credit, and other credit products. Founded in 2025, it operates from Ridgewood, New Jersey, serving SMBs that lack traditional bank access.

Ownership category

akta.pro rank

Product category

Business Financing Brokerage

NAICS

Finance and Insurance (52)

SIC

Loan Brokers (6163)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industry

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

Keywords

• Business financing brokerage
• Small business lending
• SBA loan services
• Commercial lending solutions
• Alternative business financing

Headquarters

HQ city

Ridgewood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Broker Commission / Referral Fees: Onesto Capital acts as a business financing broker, earning commissions or referral fees from lenders when they successfully connect clients with appropriate financing products. The company does not charge clients directly for brokerage services, monetizing through fees paid by the lending partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Onesto Capital Group is a business financing brokerage that connects small and midsize businesses with lenders through a single application. The company brokers nine financing products—SBA Loans, Term Loans, Revenue-Based Financing, Equipment Financing, Business Lines of Credit, Commercial Real Estate Loans, Inventory/Purchase Order Financing, Debt Consolidation, and M&A advisory—matching clients to appropriate lenders based on qualifications and funding needs. Onesto Capital does not lend its own capital; it earns commissions or referral fees from its network of lending partners.

Product overview

Onesto Capital Group operates as a business financing brokerage connecting small businesses with lending solutions through a single application. The company offers a unified platform of nine distinct financing products: SBA Loans, Term Loans, Revenue-Based Financing, Inventory/Purchase Order Financing, Equipment Financing, Commercial Real Estate Loans, Debt Consolidation, Business Lines of Credit, and Mergers & Acquisitions advisory services. Rather than a modular platform architecture, these products function as an integrated portfolio of lending solutions that the company's advisors match to client needs based on business qualifications, revenue profiles, and growth objectives.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA Loan Government-backed loan that small businesses can use for starting or expanding operations, subject to SBA size standards, ability to repay, and a solid business purpose.
• Term Loan Traditional bank-style financing providing a set amount that borrowers repay at a fixed rate, commonly used for business expansion, working capital, and equipment purchases.
• Revenue-Based Financing Funding option where a company receives upfront capital in exchange for a percentage of future revenue, with repayments tied directly to business performance.
• Inventory / Purchase Order Financing Financing arrangement where a lender pays the supplier up to 100% of costs to produce and deliver goods, with fees deducted after the customer pays the invoice.
• Equipment Financing Financing for purchasing business-related equipment through leasing or financing arrangements, enabling asset acquisition without large upfront cash outlays.
• Commercial Real Estate Loans Financing for acquisition, development, construction, and refinancing of income-producing real estate properties, including nonresidential owner-occupied or leased properties.
• Debt Consolidation Debt refinancing product that involves taking out one loan to pay off multiple existing debts, simplifying repayment obligations for the borrower.
• Business Line of Credit Flexible financing option providing revolving access to funds as needed, where available credit replenishes as the balance is paid down.
• Mergers & Acquisitions Advisory Advisory and financing support for company consolidations and asset transactions, including mergers, acquisitions, consolidations, tender offers, and management buyouts.

Quantifiable outcome

• 24-hour approval for most lending products with funds deposited in 1-3 business days
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Accion: Accion is a nonprofit small business lender and advisory that provides working capital loans and coaching to underserved SMBs. It overlaps with Onesto's advisory-first approach and target borrower profile of credit-constrained small businesses.
• Lendio: Lendio is a leading SMB loan marketplace that connects small business borrowers with multiple lenders across SBA loans, term loans, lines of credit, and equipment financing — directly comparable to Onesto's single-application, multi-lender brokerage model.
• National Funding: National Funding is a direct alternative SMB lender that also operates in the broker-adjacent space, providing working capital loans, equipment financing, and lines of credit to credit-challenged small businesses with similar qualification thresholds to Onesto.
• Fundera: Fundera (acquired by NerdWallet) is an SMB financing broker that matches borrowers with bank, SBA, and alternative lenders through a single application. It competes directly with Onesto across SBA loans, lines of credit, and term loan products.
• Biz2Credit: Biz2Credit is an SMB financing marketplace offering term loans, lines of credit, SBA loans, and equipment financing through a network of lenders — directly competing with Onesto's broker model across similar product categories.
• Guidant Financial: Guidant Financial specializes in SBA loans, retirement-backed financing (Rollovers as Business Startups), and small business funding — overlapping with Onesto's SBA and SMB advisory offerings.
• SmartBiz: SmartBiz is an SBA loan-focused fintech broker that streamlines SBA 7(a) and SBA Express origination through a technology-enabled lender marketplace — overlapping heavily with Onesto's SBA loan brokerage offering.

Broad incumbents

• BlueVine: BlueVine is a broader SMB fintech offering business banking, lines of credit, invoice factoring, and term loans. It overlaps with Onesto's product set but operates as a direct lender with embedded technology rather than a pure broker.
• BOFI Federal Bank (now BFS Capital): BFS Capital (formerly Business Financial Services) is an established SMB working capital and small business lending provider. It represents the institutional alternative lending channel that funds brokers like Onesto and competes at scale.

Emerging players

• Fundbox: Fundbox provides SMB working capital and invoice-based financing through a digital underwriting platform. While more product-narrow, it competes for the same SMB borrower segment Onesto targets and represents a partial direct competitor on working capital products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/onesto-capital-group-llc
• Instagraminstagram.com/onestocapitalgroup/?next=%2F

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 Onesto Capital Group, Llc