About Cashifi
We sit on the borrower's side of the table.
Small-business funding has been broken for two decades — opaque pricing, shopping fatigue, and brokers who get paid the same no matter which lender wins. We rebuilt the loop with the borrower as the customer, not the product.
A note from the team
Why we built this.
We started in commercial lending. We watched merchants who could've qualified for a 9% line of credit get pushed into 32% factor-rate cash advances because the rep got paid 4× more on the placement. We watched perfectly fundable owners give up after their fifth bank ran a hard pull. We watched single applications fan out to thirty inboxes — and only the loudest broker won the deal.
None of that has anything to do with whether the business is a good credit. It's just friction. So we built the engine we wished existed: one form, matched with the lenders that fit, ranked by what it actually costs the borrower. No phone tree, no “preferred partner” padding, no surprise fees on the wire.
We don't get paid unless you fund. And we don't care which lender wins, as long as it's the one that's best for you.
What we believe
Four principles we run by.
We work for the borrower.
Lenders pay brokers different commissions, and that is how borrowers get steered to the wrong offer. Our match engine ranks offers by total cost to you — not by what a lender pays us.
Soft pull, every time.
We check eligibility with a soft credit pull, period. No business should lose points on its score just to see what it qualifies for. A hard pull only happens if you move forward with a specific lender's offer.
Automation over call centers.
We don't operate a boiler room. Our team is small, technical, and on the borrower side of the table. The engine does the lender shopping in seconds; humans handle the judgment calls.
Real numbers, every time.
Every offer shows the total cost, term and payment side by side — factor-rate offers included, so you can compare them with loans. No "buy rates," and no origination fees buried in the small print.
How the marketplace works
- 1Apply once. One online application covers every product we offer, with a soft credit check that doesn't affect your score.
- 2We match you. Your application goes to the lenders in our network whose credit criteria fit your business — amount, revenue, time in business, industry and state.
- 3Compare and choose. Offers come back ranked by total cost. You choose one, or none; there is no obligation.
- 4The lender funds you. The lender you choose makes the final credit decision and funds the business directly. Cashifi is a marketplace, not a lender.
How we're paid
Cashifi is paid by our lending partners when a business we refer is funded. You never pay us an upfront fee, and applying or comparing offers costs nothing.
Because what a lender pays us can differ, we rank offers by what they cost you, not by what they pay us, and we show the total cost, term and payment of every offer side by side.
Questions? Read the FAQ or see how we protect your data on our security page.
See what you qualify for. In 4 minutes.
Soft credit pull. No commitment. Real offers from lenders that fit your business.
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