Enrichment Capital, LLC is a business financing brokerage. We are not a lender. When a business owner applies, we read the file ourselves, place it with the funding partners suited to it, and negotiate on the owner's behalf. The funder pays us when a deal closes. The owner pays us nothing, at any stage, for anything.
That arrangement is common in this industry. What is less common is what we do with it. Most brokers send a file to forty funders at once and forward whichever offer arrives first. We send it to three to five, because a file shopped everywhere gets priced like a file nobody wants. We present every offer with its amount, total repayment in dollars, term, payment schedule and fees on one page, because an owner who is only told a factor rate has not been told the price. And when the right answer is to wait, consolidate, or go to a bank, we say that, even though it means we are not paid.
How a file is read here
A funder looks at three months of bank statements and asks four questions: what comes in, what the balance does across the month, what is already being paid out to other positions, and how often payments bounce. We ask the same four before the file goes anywhere, and we tell the owner the answers plainly. Where they stand, what they can expect, and what we will not place because the business cannot carry it. A position that drowns a company is a bad deal for the owner, for the funder, and for us.
The people who do the work
Nothing on this site happens because of one person. A file that arrives at night is opened in the morning by an analyst who reads statements for a living. The call back a visitor requests is taken by someone whose job is to listen before they talk. The offers that come back are checked against each other by a second pair of eyes before the owner sees them. The guides, the calculator and the application were built by people who argued about every sentence until it was plain. We are a small team and we intend to stay close to the work as we grow, because the moment a firm like this becomes a call centre, it stops being worth calling.
If that sounds like a place you would want to work, the careers page says what we look for.
What we believe
Speed is not a virtue if it is used to stop you reading. Price is the whole number, not the rate. A small business owner is a professional, not a lead. And a firm that intends to be here in twenty years cannot afford a single client who feels tricked.
Where we are
Enrichment Capital, LLC is a Delaware company with its office address in New York. We work with businesses in all fifty states, Monday to Friday, 9am to 6pm Eastern. Write to hello@enrichmentcapital.com, or leave a number and we will call you.