About the firm
Seventeen years of saying yes to businesses banks send away
Premium Business Funding was founded in 2009 by commercial credit officers who built a desk that underwrites the way an owner actually thinks about their company.
Premium Business Funding was founded in 2009 by commercial credit officers who spent years declining profitable businesses over covenant technicalities and thin collateral files. The businesses were fine. The lending box was not.
We built a desk that underwrites the way an owner actually thinks about their company: what came in the door, how consistently, and what the next ninety days look like. Deposits over credit scores. Trends over snapshots.
We are a direct funder — our capital, our credit decision, our accountability. Not a marketplace shopping your file to twenty inboxes and taking a cut of what comes back.
Our approach
One number, up front
Total remittance, term, and schedule on the first page of every offer. If a fee exists, it is printed before you sign.
We do not stack
We will not place a second position on top of a file we know cannot carry it, even when a broker asks us to.
A person, not a portal
Every file gets a named funding manager who stays with you through renewal, and who picks up the phone.
The cheapest option you qualify for
If a line of credit or equipment financing costs you less than an advance, that is what we offer you.
Milestones
2009
Founded by two former commercial credit officers after watching healthy small businesses get shut out of bank credit.
2013
Brought underwriting fully in-house, cutting typical decision time from four days to the same business day.
2017
Crossed $250 million in capital deployed and opened a dedicated renewals desk for repeat clients.
2021
Expanded into equipment financing and invoice factoring so clients had cheaper options than an advance where they qualified.
Today
Over 11,000 businesses funded, with more than half of monthly volume coming from renewals and referrals.
Why direct funding matters
When you work with a direct funder, the person pricing your file is the same person wiring the money. There is no broker markup, no hidden syndication, and no waiting for a third party to approve what we already offered.
That is why our renewals and referrals make up more than half of every month.