Built by people who got told no by their own bank.
A lot of us on the team ran businesses before we got here. That means we have sat on the other side of the desk, walked into a business banker's office with two years of returns and a clean file, and walked out with a polite no. No explanation. No plan B. No call three weeks later asking if anything changed.
When we started looking at how marketplace lenders worked, the same rot kept showing up. Applications were treated as lead-gen. Borrowers got bounced between algorithms and whoever staffed the call center that week. Whoever paid the biggest commission that month won the routing.
So we built it backwards. You fill out one application. That opens our lender network — not a slice of it, all of it. A senior underwriter owns the file from intake to wire. Sequencing, lender picks, the awkward conversations when a condition gets weird, all of it lives with the same person. And that person is still around after the money lands.
Headquarters
C&F Capital Group LLC
St. Petersburg, FL 33702
16+
Distinct funding products
1 – 7d
Typical time to fund
5 min
Application time
Four principles. Non-negotiable.
Underwriter, not algorithm
A person owns your file. The matching is human. The strategy is human. And when something goes sideways on a Friday afternoon, you are talking to the same person who intook you.
Outcomes over volume
We are not paid on quote count. We are paid on wires sent. Most of the team is comped on closed funding, which means nobody here has an incentive to just hit you with fifteen submissions and hope something sticks.
Soft pull by default
We will not touch your hard credit just to find out what you qualify for. That line stays soft until you have seen the terms and said yes. Non-negotiable, not a feature we toggle.
The relationship does not end at the wire
Your underwriter is still your underwriter after the money lands. We have clients on year four with us, stacking the next round of capital. The first funding is almost never the last.
Want to see how we would structure your funding?
One application. One underwriter. A map of every product you qualify for.
Soft credit pull. No hard inquiry unless you accept terms.