CapFlow Funding Group® closed out 2025 with a major milestone. They advanced over $60 million to small and mid-sized businesses across the country. This achievement marks more than 150% year-over-year growth in new facilities underwritten compared to 2024. It reflects the company’s strongest funding performance to date.
This surge in volume isn’t just a number – it highlights how CapFlow’s evolving product suite, faster approval processes, and expanding broker network created real impact. It benefited businesses that needed working capital quickly. From single-invoice spot factoring to flexible no-notice lines of credit, CapFlow’s solutions helped merchants stay competitive. They managed cash flow and seized new opportunities throughout the year.
As the market continues to shift, small businesses face tighter cash cycles. CapFlow’s growth signals stronger support and broader reach. It also shows a continued commitment to delivering fast, reliable funding for brokers and the clients they serve.
What Drove CapFlow’s Record-Breaking Growth in 2025
CapFlow’s rapid acceleration in 2025 wasn’t the result of a single initiative; it was the outcome of strategic product expansion, faster decision-making, and a stronger nationwide broker network. Together, these efforts positioned the company as a leading flexible funding partner for businesses of all sizes.
Expanded Product Suite
A major driver of growth came from the continued adoption of CapFlow’s diversified funding solutions.
- FactorOne gave businesses a simple, one-invoice-at-a-time spot-factoring option.
- FactorLOC offered a revolving, no-notice line of credit secured by receivables—ideal for more established companies.
- mFactor® empowered early-stage or lower-volume businesses to unlock capital without being tied to long-term commitments.
Traditional invoice factoring and second-position programs provided stability and flexibility for companies with ongoing cash-flow needs.
This expanded suite allowed CapFlow to serve a wider range of industries and deal sizes, creating new channels for growth.
Faster Approvals & Streamlined Underwriting
In 2025, businesses and brokers gravitated toward funding partners who could deliver answers quickly, and CapFlow delivered. With improved underwriting workflows and a commitment to same-day responses, the team shortened decision times and simplified onboarding. This speed became a standout competitive advantage and fueled a rise in both new and repeat submissions.
“Our growth in 2025 came from building smarter, more disciplined structures around speed and flexibility,” said Thomas Ingrassia, Chief Risk Officer at CapFlow Funding Group®. “We expanded our product offerings while strengthening our underwriting framework, allowing us to say ‘yes’ to more businesses without compromising risk quality.”
Broker Channel Expansion
CapFlow’s broker partnerships were another core contributor to its year-over-year surge. A growing network of trusted brokers, combined with transparent communication and fast commissions, drove consistent referral volume. This occurred throughout the year. With funding capabilities in all 50 states, CapFlow broadened its footprint. They opened opportunities in new markets and emerging industry segments.
These combined efforts created the momentum behind CapFlow’s 150% growth, setting the foundation for an even stronger year ahead.
Key Stats and Highlights of 2025
CapFlow’s performance in 2025 reflects both significant internal growth and a rapidly expanding demand for flexible working capital nationwide. The year delivered major milestones across product adoption, broker engagement, and industry reach.
- $60+ advanced to businesses nationwide – CapFlow’s highest annual funding total to date.
- 150% year-over-year growth on new factoring facilities compared to 2024, driven by stronger product utilization and broader market penetration.
- Record broker engagement – with a substantial percentage of total deal volume coming from broker-referred submissions.
- Funding delivered across all 50 states, reinforcing CapFlow’s national footprint and ability to support a wide variety of business types.
- Major momentum in spot-factoring and micro-factoring – with FactorOne and mFactor® seeing notable increases in both inquiries and funded deals.
- Rapid turnaround times – with same-day answers becoming a consistent operational standard throughout the year.
- Diverse industry impact – including security services, manufacturing, distribution, specialty construction, staffing, industrial services, and seasonal or event-driven businesses.
These highlights not only quantify CapFlow’s remarkable year but also demonstrate the tangible demand for fast, flexible funding options. This is crucial as businesses navigate longer payment terms, fluctuating cash cycles, and increased operating pressures.
How CapFlow Supported Small & Mid-Sized Businesses Nationwide
CapFlow’s growth in 2025 translated directly into real-world impact for companies across a wide range of industries. As businesses continued to face delayed payments, rising costs, and unpredictable cash cycles, CapFlow’s funding solutions provided the working capital they needed to stay competitive and move confidently through the year.
Many of the industries CapFlow serves operate with tight margins and extended payment terms, making reliable liquidity essential. In 2025, CapFlow played a critical role in supporting sectors such as:
- Security guard services, where companies often juggle payroll demands and contract delays.
- Construction and specialty trades, which rely on steady cash flow to manage materials, labor, and change orders.
- Chemical and industrial manufacturing, navigating long production cycles and large PO commitments.
- Staffing and professional services, where funding gaps between payroll and customer payments are common.
- Wildland and wildfire services, facing seasonal surges in demand and immediate equipment or labor needs.
CapFlow’s ability to tailor programs, whether through spot-factoring, traditional invoice factoring, or revolving lines, empowered these businesses to operate without disruption.
Real Impact Examples
Throughout the year, CapFlow’s facilities helped companies:
- Cover weekly payroll during rapid growth periods
- Purchase inventory or equipment needed to fulfill new contracts
- Bridge seasonal fluctuations or slow receivable cycles
- Take on larger jobs without waiting on aging invoices
Each facility provided more than capital; it delivered stability, confidence, and the ability for small and mid-sized companies to pursue opportunities that might otherwise have been out of reach.
By offering flexible structures and fast approvals, CapFlow became a reliable partner for businesses facing both everyday challenges and ambitious growth plans.
The Broker Perspective – Why More Partners Chose CapFlow in 2025
Brokers played a pivotal role in CapFlow’s record-breaking year, and 2025 marked one of the strongest periods of broker-driven growth in the company’s history. As competition intensified across the alternative finance space, brokers gravitated toward funding partners who delivered speed, flexibility, and transparency, areas where CapFlow consistently excelled.
CapFlow’s commitment to fast communication and same-day decisions became a standout differentiator. Brokers knew they could rely on quick answers, clear deal structures, and a team willing to collaborate on complex or time-sensitive submissions. This reliability translated into more funded deals and more repeat partnerships throughout the year.
Why Brokers Chose CapFlow
Fast commissions and predictable turnaround times made CapFlow a preferred partner for brokers who value efficiency.
- A flexible product suite, including FactorOne, FactorLOC, mFactor®, and second-position programs, allowed brokers to serve a wider range of merchant types and deal scenarios.
- Simple submissions and transparent underwriting reduced friction and helped brokers close deals faster.
- Nationwide funding capabilities opened opportunities in every region, from niche industries to large multistate operations.
Across hundreds of conversations, brokers consistently highlighted CapFlow’s willingness to problem-solve and structure deals creatively, qualities that helped attract new relationships and strengthen existing ones.
“Our broker partners are the engine behind our growth,” said Kerry Hunter, Sales & Marketing Associate at CapFlow Funding Group®. “They trust us with deals that require speed, flexibility, and real collaboration, and we take that responsibility seriously. This year’s results show what’s possible when brokers have a funding partner who moves with them, not behind them.”
This perspective reflects the strong alignment between CapFlow’s internal team and its nationwide broker network, a relationship that played a major role in driving the company’s 150% year-over-year growth on new facilities underwritten.
2026 Outlook – Scaling Even Higher
After a landmark year of growth, CapFlow enters 2026 with strong momentum and an even stronger commitment to supporting small and mid-sized businesses nationwide. The demand for fast, flexible working capital continues to rise, and CapFlow is positioned to meet that need with expanded capabilities, smarter technology, and a deeper focus on partner success.
In the coming year, CapFlow plans to build on the success of its most in-demand products, FactorOne and FactorLOC, as businesses increasingly seek funding options that provide both speed and control. With more companies facing longer payment terms and tighter cash-flow cycles, single-invoice and no-notice solutions will play a larger role in helping merchants stay competitive.
Technology remains a core area of investment for 2026 as well. CapFlow will continue enhancing its underwriting processes, data analytics, and customer service workflows to deliver even faster decisions and more seamless onboarding. These improvements will help brokers submit deals with confidence and enable merchants to access capital with fewer delays.
CapFlow also expects to broaden its industry-specific outreach. They aim to strengthen support for sectors like manufacturing, construction, staffing, security services, and seasonal operations. By meeting the unique funding needs of each vertical, the company aims to deepen its footprint and broaden its impact across the country.
With strong broker relationships, a robust product suite, and a team committed to innovation, CapFlow is well positioned for another year of accelerated growth. The momentum built in 2025 sets the stage for an ambitious, opportunity-filled 2026.
Final Thoughts
CapFlow’s milestone year reflects more than impressive numbers; it represents the collective impact of strong partnerships, innovative funding solutions, and a commitment to supporting businesses when they need it most. Surpassing $60 million advanced in 2025 and achieving 150% year-over-year growth on new factoring facilities demonstrates how vital fast, flexible working capital has become for small and mid-sized companies navigating an unpredictable economic landscape.
The achievements of this year underscore CapFlow’s ongoing mission: to deliver reliable, responsive funding that empowers businesses to manage cash flow, seize opportunities, and scale with confidence. For brokers, the results reaffirm CapFlow as a trusted partner, one that prioritizes communication, speed, and a collaborative approach to structuring deals.
As CapFlow looks ahead to 2026, the focus remains clear: continue expanding access to capital, enhance technology that accelerates decision-making, and deepen relationships with brokers and clients nationwide. With momentum on its side and demand rising across key industries, CapFlow is well-positioned to build on this growth and support even more businesses in the year ahead.
If you’re a broker looking to partner with a funding team that delivers fast answers and flexible solutions, now is the ideal time to connect with CapFlow and explore how we can help you close more deals in 2026.
