About
A boutique firm, built by people who have run the money
Funding Team was founded in 2009 by commercial finance professionals who were tired of watching good companies get declined for the wrong reasons. Sixteen years later, the thesis has not changed.
Our thesis
Capital should follow the work, not the paperwork
A profitable company can fail on timing alone. Payroll runs weekly; customers pay in 45 days; the arithmetic does the rest. Traditional credit answers that problem with a process designed for a different kind of borrower — one whose last two years of financials already prove they can wait.
We underwrite the other side of the ledger. The credit that matters is your customers', and the collateral that matters is the invoice they already owe. That single shift is what lets us fund a nine-month-old staffing firm, a manufacturer with 60% concentration in one buyer, or an importer whose supplier wants cash before the container leaves the port.
Boutique is a deliberate choice. It is what allows a person, not a committee, to read your file and give you an answer the same day. It is also why we stay in a small number of industries and learn them properly.
How we operate
Four commitments
Say it plainly
Every rate, fee and termination term appears in writing before you sign. If a structure is wrong for you, we say so — including when the honest answer sends you somewhere else.
Decide fast
Speed is not a nice-to-have in working capital; it is the product. A file that sits on a desk for three weeks has already failed the client.
Underwrite the reality
We read the aging, call the customers and understand the business. Models inform the decision. They do not make it.
Stay reachable
You get a direct line to the person who approved your facility, not a queue and a ticket number.
History
How we got here
2009
Founded in the aftermath
Started in the middle of a credit freeze, funding staffing and transportation companies that solvent banks had stopped serving.
2014
Purchase order funding added
Clients kept turning down large orders they could not produce. We built a PO program and letters of credit to solve it.
2019
VendorPay launched
Supply-chain payments extended the platform to the payables side of the balance sheet.
2026
Sixteen years, $1.2B funded
Same underwriting philosophy, considerably more capital behind it.
Find out what your receivables are worth
Send us an A/R aging and a few details. A named underwriter returns a term sheet within one business day — with no obligation and no hit to your personal credit.